WalletHub, Financial Company
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 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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