Borrowing a car or letting someone else close to you use your car is pretty common. In fact, many of us do it all the time. 

After all, there are certain circumstances where we cannot drive, and we have to let someone else drive our car. Or maybe it’s the other way around.

Either way, just because it is common does not mean it is legal. This leads to a question a lot of people have, which is, “does my car insurance cover other drivers?”

If you intend to have a friend drive your vehicle, knowing how your auto insurance would be affected would be helpful. So can you use a friend’s car or let someone else use yours while you’re gone?

If you did that, would you still be covered under the policy? What takes place if either you or they are involved in an accident?

Here in this article, we will tell you if the other driver is covered by car insurance.

Does My Car Insurance Cover Other Drivers?

The short answer to all this is that it depends. Whether your car insurance policy covers the other driver will depend on your policy

According to the Insurance Information Institute, in many areas, your car insurance would be considered the primary insurance if someone else damages your vehicle. This means that the coverage you have on your car would assist in covering the injuries or car damage caused by the driver.

Generally speaking, additional drivers driving your vehicle are typically covered if they are mentioned on your auto insurance policy. This may include your spouse, partner, parents, siblings, or children. It may also contain additional household members.

What About Drivers Not Covered By My Policy?

The situation becomes murkier for those not included on your insurance, such as acquaintances and extended family. Typically, consent determines whether or not the policy offers coverage in such scenarios.

It is usual for auto insurance contracts to include language regarding who has and does not have “permission” to operate your vehicle. However, jurisdictions implement these lenient driver rules differently.

Permissive use is a clause in your insurance policy that protects drivers you authorize to operate your vehicle. The approval may be granted verbally only. It is not necessary to record it somewhere.

And these drivers do not need to be immediate family members or household members. They could be a simple acquaintance or a distant relative.

Non-permissive use is when your vehicle is taken without your permission. This might be theft or if a friend uses your car without your consent.

If they cause an accident and are at fault, their insurance coverage will cover their liabilities before yours. However, you will likely be responsible for some of the expenses.

Why? Because the majority of insurers will assume that you granted permission if you generally know the driver unless you specifically excluded them from coverage.

In conclusion, whether the other driver is covered by your car insurance or the other way around will mostly depend on your consent and who you included in your car insurance policy. But other things to consider may differ, such as your policy and your state.

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