WalletHub, Financial Company
@WalletHub
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.
People also ask
What happens if someone else is driving my car and gets in an accident?
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage. Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Insurance Options When Someone Crashes Your Car
... read full answerCan someone drive my car and be covered on my Progressive insurance?
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...
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