It is important to understand all the different components of your automobile insurance. What happens if you allow someone else to drive your car and they have an accident? Will they be covered under your insurance policy?
Most insurance coverage is protection for the car, so, yes, if another person drives your car, he or she should be covered under your policy. With that said, that person should be defined as an occasional driver. Insurance companies base your premium on your car, but also on the “primary” driver of that vehicle – and that should be you. If the primary driver of the vehicle changes, you should report that to your insurance company and have that individual added to your policy. If your car is involved in an accident and the insurer believes that you are no longer the primary driver, your insurance company could deny your claims.
Contact your automobile insurance company if you have questions about your coverage or the rules of your policy pertaining to people that borrow your car.
