Is anyone who drives my car insured by my policy?

Are there restrictions I should know about?

Asked by Lynn

4 Answers

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Answered by Elizabeth Beagle, Insurance Agent in Burbank, CA
The safest answer is to call your insurance company and ask their customer service representative the question. However, in general, your coverage typically is based on the car, not whoever is driving the vehicle, as long as:
a. they have your permission to drive your car,
b. they drive it infrequently,
c. and they have not been excluded on your policy.

Coverage limits may be reduced in some situations.

You have an obligation to make sure that the driver has a valid driver's license, however. If a person will be driving your car other than on an occasional basis, you should have them added to your policy to avoid having no protection. | 10.08.13 @ 20:48
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$commenter.renderDisplayableName() — {comment} | 12.03.16 @ 00:40
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Answered by David
In California any licensed driver operating the vehicle with your permission is covered. The automobilie policy insures the automobile, not the driver. Since the policy is owned by an insured who is a part of a household all of the drivers in the household are considered when issuing coverage. Occasionally the insurance company will require that a specific driver in the household be excluded. In the event that driver is operating the automobile at the time of loss, there wouldn't be any coverage. | 03.03.15 @ 20:58
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$commenter.renderDisplayableName() — {comment} | 12.03.16 @ 00:40
Answered by Elizabeth Beagle, Insurance Agent in Burbank, CA
What David states is generally true; however, if you have a Named Insured only policy, then it excludes EVERYONE else that may be driving your vehicle even with your permission. Your policy should specifically indicated if it is a Named Insured or includes permissive use. Even with permissive use, oftentimes the coverage limits are reduced to the CA state minimum of 15/30/5. You should always check with your agent or your insurance company before your allow someone else to drive your car. | 03.03.15 @ 21:26
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$commenter.renderDisplayableName() — {comment} | 12.03.16 @ 00:40
The short answer, it depends on which state you live in. I agree that you should ask your agent or a representative of the insurance company.
In Alabama, the answer is yes but the coverage may be reduced or removed based on the circumstances such as if the person with permission is unlicensed or in the process of committing a crime,... No guarantees. | 02.02.16 @ 23:21
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$commenter.renderDisplayableName() — {comment} | 12.03.16 @ 00:40
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