If you mean a family member living in your household then the driver should be listed on your policy as an occasional operator. You can lend your vehicle to someone on occasion and they would be covered however keep this in mind: In most states the Insurance first follows the driver and then the vehicle. If the person you let drive your car has insurance and is involved in an accident, that persons insurance would pay. If they do not have insurance YOUR insurance pays, resulting in possible rate increases. My advice is NEVER lend your car to someone who does not have insurance!
Yes. As long as the driver is licensed and has the owner's permission to drive the vehicle. But the term "occasional" means different things to different companies. Some companies are more strict about it than others.
The rule of thumb is: list everyone living in your household that is above driving age. And list anyone else who doesn't live with you, but has regular access to your vehicle. A lot of people get burnt on this because they try to hide their high school aged kids from being on their policy..... Huge mistake!
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The rule of thumb is: list everyone living in your household that is above driving age. And list anyone else who doesn't live with you, but has regular access to your vehicle. A lot of people get burnt on this because they try to hide their high school aged kids from being on their policy..... Huge mistake!