Does My Car Insurance Cover Someone Else Driving My Car?

Find out if and when your car insurance covers other drivers.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.

paul martin Reviewed by Paul Martin
paul martin
Reviewed by Paul Martin

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

Other Driver Car Insurance

You know your car insurance protects you from numerous risks on the road, but you might not be sure if this coverage extends to anyone else who borrows your car. So, does your car insurance cover someone else driving your car, and if so, when does coverage apply to them? Also, are you covered if you drive someone else’s car?

For questions like these, it’s important to hear the answers straight from the real pros, aka independent insurance agents. Ask agents anything. They have the answers. Here’s what they’d say about whether or not your car insurance would cover someone else driving your car, or you driving someone else’s car.

Does My Car Insurance Cover Other Drivers Using My Car?

Yes, at least in most cases. The vast majority of car insurance policies will cover anybody using your car if you gave them permission. As long as you gave someone the OK to operate your vehicle, your policy should protect incidents that occur while they’re driving your car. These other drivers don’t even necessarily have to be listed on your policy to be covered. Double-check your specific policy with your independent agent to be entirely sure first, though.

What about Me Driving Someone Else’s Car, Does My Car Insurance Cover That?

While the answer is yes, there’s a caveat to it. Your policy acts as excess coverage when the owner of the vehicle’s policy gets exhausted. So, if their coverage limits are surpassed following an incident that occurred while you were driving, your coverage would kick in afterwards to help cover the rest of the damage. Here’s the thing though, your policy’s excess coverage would only protect you, not the owner of the vehicle. Only their own policy would cover them.

What All Does My Car Insurance Cover?

That depends on the type of car insurance you purchased. If you got collision insurance, your policy would cover the following:

  • Single-car accidents such as running off the road into a ditch
  • Collisions with other vehicles
  • Collisions with objects, such as trees, signposts, fences, and buildings

In case of an accident, the driver who’s at fault would be responsible for using their car insurance to pay for the damage. However, it’s important to always carry your own insurance in case you’re ever at fault for a collision, and to protect you against other drivers who may not be insured.

What Does Comprehensive Car Insurance Cover?

Now, if you purchased a type of coverage called comprehensive car insurance, you’d have a lot more protection than just for collisions. Comprehensive coverage reimburses you for perils categorized as “other than collision,” including:

  • Theft and vandalism: This is in case your car got stolen or vandalized.
  • Natural disasters and weather damage: This is in case of fire or storms like hurricanes, hail, tornadoes, and floods.
  • Riots: This is in case your vehicle got damaged due to shenanigans taking place during a riot.
  • Glass breakage: This is in case your windshield or windows got cracked, chipped, or shattered.
  • Collision with animals: This is in case you hit a deer or other large animal. This is the only type of collision not covered under the collision section of standard auto insurance policies.

Your independent insurance agent can help you decide if adding comprehensive coverage to your auto insurance policy makes sense for you.


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What Is Car Property Damage Coverage?

If you or another driver operating your vehicle get into an accident and damage someone else’s car, the property damage liability coverage section of your auto insurance policy will take care of the expenses. Property damage liability covers the cost of repairs to another person’s vehicle if you’re at fault for the collision. It also covers damage to other property like fences, posts, or buildings. This is extremely important coverage to have for all drivers on the road.

What Is Car Liability Coverage?

The two types of liability insurance under most standard auto policies include property damage liability coverage and bodily injury liability coverage. In case of an injury following an accident, bodily injury liability coverage reimburses the policyholder for medical payments to the other driver and their passengers if you’re at fault. Medical payments coverages pays for doctors’ and hospital visits, and often emergency services such as ambulances.

Is It Ever Possible My Car Insurance Wouldn’t Cover Other Drivers?

That depends highly on the coverage you purchased. There are some auto insurance products on the market today that are designed to be really cheap. These policies are targeted at low-income demographics and provide only barebones coverage. The policies often can limit coverage to only the drivers that are listed on your policy, or that you specifically tell your insurance company about beforehand. However, these are not your standard auto insurance policies.

What Else Do Drivers Need to Know about Their Insurance?

This is really important. Insureds have an obligation to read their policy. Ignorance is not an excuse if you end up in court. Be sure to always read your insurance contracts. Also make sure to ask your independent insurance agent any questions you have when signing up for coverage. Your agent is educated about what these policies do and don’t do. They have skilled knowledge of these contracts that can really help save you from ending up in trouble later on.

Here’s How an Independent Insurance Agent Would Help

When it comes to protecting you while driving someone else’s car and all other incidents, no one’s better equipped to help than an independent insurance agent. Independent insurance agents search through multiple carriers to find providers who specialize in car, liability, and property insurance, deliver quotes from a number of different sources and help you walk through them all to find the best blend of coverage and cost.

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