Does rental car insurance cover other drivers?

Question

Yes, someone can drive your car and be covered on your insurance if you give the driver permission to use your car and they are not excluded from your policy. Car insurance typically follows the car, not the driver, so your policy will still apply if the person using your car … read full answer gets into an accident. This is often referred to as permissive use.

When Permissive Use Does Not Apply

You have a non-standard auto insurance policy that excludes anyone who is not listed on the policy from coverage.

You’ve specifically excluded the driver from your policy.

The driver using your car lives in the same household as you and is excluded from permissive use by your policy.

The driver gets into an accident in your car while under the influence or committing a crime.

If permissive use does apply and the driver using your car gets into an accident, your insurance will cover the cost of the damage up to your policy limits. However, if the accident expenses exceed your coverage limits, the driver’s own insurance can apply as secondary coverage. If they don’t have their own policy, then they will be financially responsible for amounts in excess of your coverage.

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Answer 1 · 2022-04-27 14:27:33

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Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 04/27/22 This answer was first published on 04/27/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, your rental car insurance will cover other drivers as long as they are listed as an additional driver on your rental agreement. You can add an additional driver to your agreement with most rental car companies by having the driver present their license at the rental counter. You may be charged a small daily fee for adding an additional driver, but some companies waive this fee if the driver is your spouse.

When Rental Car Insurance Covers Other Drivers

When you cause an accident. If you are driving a rental car and are at fault for an accident, other drivers’ medical expenses incurred due to the accident are covered by your rental car liability insurance. Rental car liability insurance typically costs about $10-$16 per day.

When someone else is driving your rental car. If the individual is listed as an additional driver on your rental car agreement, your rental car insurance will extend to cover them as well. Keep in mind, the additional driver must be present when the vehicle is rented and must have a valid driver’s license to be eligible. Many companies also require the driver to be at least 25 years old.

Finally, it’s worth noting that even if you are using the rental insurance offered by your credit card, other drivers will still be covered under your card’s rental insurance as long as they are listed as an additional driver on your rental agreement.

To learn more, check out WalletHub’s guide to rental car insurance.

Does rental car insurance cover other drivers?

Delaney Simchuk, Car Insurance Writer

When Rental Car Insurance Covers Other Drivers

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