Does Car Insurance Cover Other Drivers?

When you are insuring your automobile you answer a few questions about yourself, your driving record as well as other drivers living with you or listed on your policy (even though they may not be living with you) because those drivers usually included on your policy. However, it is difficult to predict who else might want/need to drive your car on the off chance. That is why people often ask questions like; does my car insurance cover other drivers or who is insured to drive my car?

Car Insurance for Occasional Drivers

Usually, standard auto insurance policies provide coverage for occasional drivers, who are not listed on your policy or not living with you. “Occasional” is the operative word here. If someone becomes a regular driver of the insured auto you should discuss adding such person to your policy. Remember that you can add a driver who doesn’t live with you to car insurance.

However, you need to keep in mind that policies always deviate from standard coverage. Furthermore, state regulations, view of your insurer and your preferences affect the final policy terms and conditions. There can be exclusions and exceptions too.

Often vehicle insurers add restrictive conditions on policies to reduce risk exposure and be able to offer cheaper policies. For example, you may be able to insure your sports car with one of the high risk auto insurance companies but they may include a special condition that your car is only driven by drivers over the age of 25. You may be allowed to exclude a high risk driver in your household from your policy as well, depending on where you live and your insurer. Choosing this route can save you money but then you should make sure that the excluded driver never drives the insured car.

In addition, there are cheaper auto insurance policies that only allow listed drivers to drive the insured vehicle. Named driver insurance policies are designed to reduce premium by limiting drivers to those listed drivers only. Anyone who is not listed on the policy cannot drive the insured auto. They are sold by few companies and allowed in some states.

Does Auto Insurance Follow the Car or Driver?

In general, standard auto insurance follows the car rather than driver. Collision and Comprehensive Coverage always remain with the car since they specifically cover the insured automobile. So, if a friend borrows your car and causes damages to it and other people’s property your car is still covered by your Collision insurance and other people’s injuries are covered by your liability policy, because vehicle owner’s insurance is usually the primary policy. In other words, you are liable for accidents other drivers cause with your car. However, insurance policies, coverage and state laws can vary and specifics of a claim can influence who must pay for the damages. So, you should always check your automobile insurance coverage to find answers to can someone else drive my car?

Liability auto insurance coverage can follow the driver driving someone else’s car or a rental vehicle. Definition of “insured vehicle” in a liability policy could extend to a friend’s, neighbor’s or a rental vehicle as long as those automobiles are driven on occasional basis. Even then, vehicle owner’s policy would generally be the primary policy to pay for third party claims. However, your liability car insurance policy may not cover a vehicle that is available to you on a regular basis like your partner’s auto. In such cases, you probably need to be included in the owner’s policy. There may be other exclusions in your policy. For example, most policies exclude commercial vehicles or vehicles leased to you for everyday use.

The answer to does car insurance cover other drivers is yes, under normal circumstances with a standard policy. Nevertheless, your insurer or you can exclude some drivers from your policy in exchange for a cheaper premium. You should always check special clauses when buying car insurance. Finally, if you have already agreed to special terms and excluded some drivers from your policy you should make sure that you meet these conditions. Otherwise, you can find yourself in deep trouble as claims can be denied when an excluded driver causes an accident with the insured auto.

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