Does Car Insurance Cover Someone Else Driving Your Car?

Does Car Insurance Cover Someone Else Driving Your Car? thumbnail
Lending your car can be dangerous.

If you loan your car to someone, whether your insurance will cover the person if he has an accident varies.

  1. Someone From Household

    • Insurance companies will usually exclude household members that are not specifically listed on a policy.

    Neighbor in an Emergency

    • If your neighbor has insurance on his car, his policy might cover any accident he has while driving your car.

    Friend Borrows Car for a Month

    • If your friend borrows your car for a month, he should get his own policy to cover your car. Another option is for you to place your friend on your policy.

    Your Neighbor on an Irregular Basis

    • If your neighbor uses your car to run an occasional errand for you, you should probably list her as a driver on your policy.

    Contact Your Agent

    • To find out the particulars of whether your situation will be covered, contact your agent.

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  • Photo Credit Image by Flickr.com, courtesy of Ng Wei Jiang

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