Is anyone who has the permission to drive my car covered in my car insurance in case he got into an accident?

deanspurrier

Simply put, Yes especially if they are not an occupant of where you live of do not have regular access to your auto. If they live with you or have regular access to your auto they should be listed on your policy even if unrelated and if they don't maintain insurance on there own auto if they even have one. But it's covered.

Now if he does have his own insurance then his will take place of yours, and the insurance carries may try and subjugate the damages. It will just depend on the extent of the damages not only to your auto but whomever or whatever he hit.

Good luck and take care, all will be fine.

samantha

NO. you need to add that person to your insurance. do not let anyone drive your car unless they are covered.

davidrogerusa

All insurance companies are different, call yours to be sure.

milan59

That could depend on your coverage and theirs. I have something in my policy to insure me to drive anyone's car. Not all policies have that. But those things change with time. Get to know your own policy. Don't take chances without knowledge.

Robert P

only if your policy allows for that...in most cases yes...and if he/she hurts someone you can be sued

fisherwoman

That depends on the insurance that you carry, and if exclusions are included. Look at your policy, it will tell you who is covered and who isn't. Oftentimes, if you live with a roomate, or someone that doesn't have a very good record, you will have exclusions written into your policy. My daughter's full coverage insurance (comp/collision) has an exclusion that if she borrows a vehicle from someone she resides with, her insurance will not cover her. Being in the know about your policy is an important part of being a car owner.

rcbrokebones

Depends on your policy? the standard policy states that as long as the person is over 25 years old and does not live at the same address they are covered.I was driving my girlfriends car and i'm over 25 and i was living in my own place and i got into a terrible accident and her insurance company has been taking care of me very well..the accident was my fault in a way..but i was never charged.

Joe

If that person has insurance, then they probably are.

*****

No, the driver is cover by their own policy, if they have car insurance. I would make darn sure that they do before I lend them my car.

ButwhatdoIno?

Yes. It is CAR insurance, not people insurance. So the car is insured against damanges. Clear this up better with your insurance provider. They have booklets.

scooba

Normally yes, but not if you knowingly give the keys to a driver you know doesn't have a valid driver's license.

bundysmom

Have you ever tried reading your policy? There you will find your answer....no one here can answer this question, because we don't know what your policy says.

Catman

You should be covered if another person drives your car, however if that person is a member of your houshold they should be added to your insurance.

karenhar

A lot of people don't seem to know this, but yes they are! Check with your insurance to be sure that you have coverage for uninsured motorist though.

oklatom

Vehicles are insured, not people. As long as you have checked that the person borrowing has a valid drivers license, and you have given permission for them to drive, your insurance covers them. The only time they would have to be named on your policy would be in a husband wife or room mate situation. Otherwise every time you have your car worked on, you'd have to add the mechanic to your insurance before he could test drive it after the fix.

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