Does all insurance companies cover other people that are not on the policy?

Question

Can other people drive your car legally if they are not on your insurance policy with any insurance company?

Answer 1

Most insurance companies allow what is called permissive use of a vehicle, provided that person does not live at the same residence and does not drive the vehicle more than 12 times in a year (going to the store and back is considered 2 times). I would check with your individual insurance company for their exact rules. Also if a person is going to stay with you for a few weeks and you want to add them to your policy you can for just the period of time that they are there and you will only pay a prorated portion of the increase to premium if there is any.

Response to answer #1 - insurance follows the vehicle not the the driver, if you borrow a car from somebody and have a wreck the owner of the vehicles insurance pays for the damages, the only time this does not apply is when you rent a vehicle, then your insurance will cover that vehicle

Answer 2

You need to read the policy. Typically, the car is insured. So if somebody borrows your car and crashes it, your insurance should cover it in most cases. Insurance companies want to know who in the house is driving which car. In some cases, families may choose not to let a particular member drive a particular vehicle in order to save money. Once again, you need to review each policy correctly.
Look at your insurance card. Your vehicle is written on it. Let's say your licensed friend drove the car for you because you were sick. He smashes your car. Your insurance should cover the accident and then you can be canceled. This happens quite often.

Answer 3

Generally, if you let someone drive your vehicle and that person has permission, he/she will be covered. If the person is an excluded driver on your policy, there will be no coverage. This can vary from state to state, but I have not heard of a policy that only covers listed drivers. And insurance follows vehicles, not people, so yours would be first in line if that person had an accident.

Answer 4

they will cover it - but if they have an accident it may increase your insurance - or they can even cancel your policy.

You need to make sure that whoever you allow to drive your car has a valid driver's licence.

Overall it's just not a good idea - what if they have a wreck? I've know friendships that broke up due to this stuff.

And if they are going to be a "regular" driver of the vehicle - you should just add them on.

You can get a better answer by calling the insurance company - a concrete answer.

Answer 5

No. Some companies specifically only insure the listed drivers - some will allow non-household members who do NOT have regular access to your car (ie, drive it less than four times a year) to be covered if they aren't listed.

This varies from policy to policy, so you'll have to either read your policy or ask your agent.

Answer 6

your policy covers any liability caused from a "borrower" crashing your car. their insurance covers your car, so the borrower still must have insurance. also look for you co to look for a reason to cancel you if an accident occurs- not a good idea to loan a car

Answer 7

Your policy follows the CAR, not you. Unless there are listed EXCLUDED drivers, your car should carry coverage in most circumstances. Could be problems if car is driven on regular basis by someone that is NOT listed on policy.

Answer 8

the owner of a car needs to provide proof of insurance and registration regardless of who is driving. the driver must produce a valid drivers license.

Answer 9

No.

they need there own insurance to drive your car..there covered by theirs not yours.

your insurance covers you driving any car.

Answer 10

DEPENDS ON THE STATE.

IN CALIFORNIA, YOU INSURE THE CAR, SO ANY LICENSED DRIVER WHO DRIVES THE CAR WITH YOUR PERMISSION IS COVERED BY YOUR POLICY.

SO IF THEY GET IN TO AN ACCIDENT, YOUR POLICY PAYS FOR IT.