Who is Covered to Drive My Car?

A common question is: “Is anyone who drives my car covered?”

In most cases, yes. They must have the permission or reasonable belief from the insured that they can use the vehicle.

There are some exclusions, so you will need to examine your particular policy to make sure. Remember, anyone in your household with a license must be listed on your policy if they are to be covered. If a friend lives with you uses your car, she may not be covered if you did not list her on your policy. Whereas, if you live at separate addresses, she would be covered.