Who Can Drive Under My Car Insurance?

1. 

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   Edward Brown

   Typically any licensed driver can operate your vehicle and be protected by your insurance policy, as coverage is vehicle primary. However, some policies have reduced coverage for permissive use, sometimes to the state minimum levels of liability. Make sure you read your policy and/or talk to your agent about your specific coverage and state regulations.

   Answered on May 7, 2013

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2. 

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   I caution anybody to not just assume anybody can drive your car. Most polices have permissive use, but keep in mind, the owner of the car and his insurance company are responsible if there is a loss as insurance follows the vehicle. Also your limits may be reduced to state minimums meaning if the accident exceeds the coverage amounts, the owner, although they were not in the accident can be held liable since the owner loaned the car out. Another thing to consider, permissive use in most cases does not apply to household members who do not have their own car and insurance. All household members who have access to the vehicle are required to be listed or excluded. There has been a great abuse of this by people who do not want to list children or relatives to avoid potentially higher premiums which have resulted in severe consequences when a claim arises  And yet another thing to consider is there are carriers who do not have permissive use on their policy at all. If the carrier is unaware of the individual who is operating the vehicle there is no coverage on the owners policy. Always talk to your agent about how your particular policy works and the potential ramifications of loaning out your vehicle.

   Answered on May 17, 2013

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3. 

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Based on my education and experience thus far in the insurance industry. The only people that would be directly covered under your auto insurance policy would be those persons that you have listed as drivers under your policy. Now if you allow someone to drive your vehicle that does not have insurance and they are involved in an accident that they are deemed responsible for your insurance may end up paying the claim which may in turn cause your rates to increase at renewal.

   Answered on October 28, 2013

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4. 

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   That honestly depends upon the terms and conditions of your policy. Talk to your Insurance Professional about these and any limitations that may be included within the language of your policy. Some companies offer policies with very broad language that virtually allows anyone you so designate to drive your car and have coverage extended. Other companies limit coverage to only those drivers specifically listed on the policy. Clearly there is a very big difference so it is important to understand how your insurance compay's policy is written and filed in your state before you turn over the keys even as a favor.

   Answered on April 5, 2016

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