Does your car insurance cover other drivers?
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UPDATED: Oct 26, 2021
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The question of whether another person would be covered on your insurance policy is subjective and dependent on your insurance policy and the individual driving your car. Typically, other family members that reside in your household are covered, but a non-relative or a relative living outside of your home may not be covered. In order to determine if the friend or family member is covered under your insurance policy, you should review the details of your policy. If your policy does not cover the individual, you may need to use an insurance comparison tool to find a different policy that covers other drivers in order to ensure that your car gets fixed in the event of an accident. Start comparing car insurance rates now by using our FREE tool above!
What Does Your Insurance Policy Say?
The very first thing you should do is review your policy. Each covered driver will be listed. However, some policies may also cover drivers not on the insurance policy. It’s important to read everything regarding drivers and coverage to ensure the driver is covered in the event of an accident or incident.
Remember that even if your policy states that another person is covered, regulations in your area might negate that coverage and make it invalid.
If the other person is, in fact, covered, the coverage may be limited. Be sure you know the specifics of your auto insurance policy before letting another person behind the wheel of your vehicle. If you regularly allow other people to drive your car, and your insurance policy does not cover other driver’s, a comparison quote tool can help you find the right coverage for your needs.
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Does the Other Driver Have Their Own Coverage?
Some policies, especially individual liability coverage, may cover a driver on more than one vehicle. There may also be special options for those in the military. You and the other driver can check their existing policy to see if coverage already exists. Be sure to check the terms and conditions surrounding said coverage, if it exists. This way, you both know which instances are covered and which are not. Even if the other driver is covered by their own policy, additional coverage may be a good idea and in some cases, required. If you need additional coverage in order to protect your vehicle and yourself in the event that other driver gets into a car accident, a comparison tool can help you quickly find the right coverage at an affordable price.
Where Does Everyone Driving Live?
Some policies will only cover other drivers living within your household and possibly adult children away at college. Always read the applicable policy to be sure you have the right coverage for your individual situation. Friends who are not in your household may not be able to drive your vehicle without their own coverage. In some instances, Uninsured/Underinsured Motorist (UM/UIM) coverage may cover those driving your car with your permission. Again, read over your policy carefully. If the other driver isn’t covered, use an online comparison tool to find the one you need. You don’t want to find out the hard way that the person is not covered after an accident has occurred.
Where Will the Car Be Driven?
If the vehicle is registered in the United States, in most instances, the existing insurance will follow the car across the United States. Sometimes the coverage will extend to Canada, but rarely Mexico. Check your individual policy, as well as the regulations in the areas where the vehicle is to be driven. Due to variance in minimum coverage requirements, additional coverage may be required if driving to another state. Also, if the vehicle will be used for extended periods of time, additional coverage, such as travel insurance, may be needed. This might be in addition to any coverage needed for the other driver.
Whether the car insurance follows the car or the driver isn’t the right question to ask. This is because it actually depends on each policy and the answer can be either, neither or both. The best thing to do to be safe when allowing others to drive your vehicle is to check all policies, check all legalities surrounding applicable areas and households, and compare policies to be sure you have the right one. A good comparison tool is an easy way to help you figure out the best policy for your needs so that you don’t find out after your car has been wrecked by someone else. Start comparing car insurance rates now by entering your zip code in our FREE tool below!