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.
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.
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage, which means the claim will go on your insurance record and could affect your rates. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.… read full answer
Insurance Options After Someone Else Drives Your Car and Gets in an Accident
Remember, using your insurance means you are liable for paying your deductible, even if it’s a friend (and not you personally) who crashes your car. Fortunately, your friend’s insurance can help if the damage exceeds your coverage. For example, if your policy covers up to $45,000 and the damage is $55,000, the driver's insurance can cover the final $10,000.
However, that isn’t the case if you’ve specifically excluded the driver from your policy. You might choose to leave someone off your insurance because they are a high-risk driver and expensive to insure - like a new driver with multiple speeding tickets, or someone with DUIs on his or her driving record. If that excluded driver crashes your car, your insurance company will refuse to cover the damage.
Insurance Rates After Someone Else Crashes Your Car
Unfortunately, an accident can affect your insurance rates even if you aren’t driving. One accident won’t necessarily raise your premium by itself. But if you were in another accident not too long before someone else crashes your car, your company is likely to raise your premium, retract your safe-driver discount, or even drop your policy.
At the end of the day, one of the best things you can do is consider adding people to your insurance if they regularly use your car. You don’t want to end up with a huge bill if your insurance company denies your claim because of who was driving. Also, make sure your friends have a valid driver’s license and car insurance if they’re using your car.
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.… read full answer
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.
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