Anamarie Waite, Car Insurance Writer
Progressive insurance will cover someone else driving your car in most cases, but it can depend on coverage types and limits. Your liability insurance, which pays for the other party’s injuries and property damage after an at-fault accident, always follows the car. If the person driving your car is insured, their policy may act as secondary coverage if they cause an accident that exceeds your coverage limits. But their insurance only kicks in after the limits of your Progressive policy are met.
Collision and comprehensive coverage from Progressive also follow the car, so you’ll have to file a claim using your policy to get your own vehicle repaired or replaced if someone else gets into an accident while driving it. But unlike liability insurance, collision and comprehensive won’t serve as secondary coverage. If the person driving your car wrecks it and you don’t have enough insurance to cover the repairs, you’ll end up footing the rest of the bill yourself. Other types of coverage, like personal injury protection and MedPay, always follow the driver.
It’s possible your Progressive car insurance offers less or no coverage for drivers not listed on your policy. A claim won’t be covered if the person should have been listed, for instance. If someone is living in the same household as you or regularly borrows your car, they should be a listed driver on your Progressive policy. It’s always best to confirm your policy details with a Progressive rep before letting anyone borrow your car.
People also ask
Did we answer your question?