Insurance Agent, Farmers Insurance, San Francisco Bay Area
The easy answer for this would be "Anyone you give permission to drive your vehicle." The exception to this would be anyone who is specifically excluded from your insurance policy. For example, a client of mine has a 17 year old son. Their son had a valid learners permit and went through the process of completing Drivers Ed, but never took the final exam and was never issued a license. Even though his permit has expired, based on his age and the fact that he had a permit, I recommended to my client they included him on their policy, but list him as an excluded driver. Because he is excluded, the insurance company does not rate him on the policy, and the premium did not increase.
Outside of their son, anyone they give permission to drive their car would be covered, even if the person who borrowed the vehicle did not have their own insurance policy. You do run the risk of increased monthly premium payments should an uninsured driver borrow your car with your permission and be involved in an accident where they are liable however. So be careful of who and how often you do lend your vehicle out.
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Outside of their son, anyone they give permission to drive their car would be covered, even if the person who borrowed the vehicle did not have their own insurance policy. You do run the risk of increased monthly premium payments should an uninsured driver borrow your car with your permission and be involved in an accident where they are liable however. So be careful of who and how often you do lend your vehicle out.