Sydney Garth, Credit Cards Moderator
Full coverage typically covers anyone driving. However, you should check with your insurance company or agent to be certain of your policy’s provisions. You should also make sure all drivers in your household are listed on your policy -- or, if necessary, specifically excluded. Family members, for example, should be listed. Roommates or housemates should be listed, too, if you permit them to drive your car.
Paul Wannemacher, Resident Financial Planner
In general, your comprehensive & collision insurance covers you and the drivers you include on your policy as primary covered drivers. If you let another excluded person drive a leased car, their auto coverage would be considered primary and yours secondary. If your excluded driver has no coverage and causes an accident, you and your insurance might be liable for all the damages.
If it's a car rental, if you don't list the other driver up front as a driver and they get in an accident, the claim might get denied. So it pays to know what coverage another driver has before you toss them the keys to your car, leased or owned.
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