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Can Someone Drive My Car and Be Covered on My Insurance?

Among the holiday hustle and bustle of shopping, holiday concerts, parties, and more, we are bound to forget a thing or two. We’ve all had a moment where we’ve started our cooking in the kitchen and are absolutely stunned by how we could have possibly realized we are out of an essential ingredient. Sometimes as we try and juggle a dozen different things, it is easier to toss the keys to someone and have them run out and get it for you. The act is harmless, but you might want to think twice before handing over your vehicle.

You may face some speed bumps if you have someone not listed under your insurance policy behind the wheel of your car. There are many factors at play that can determine how costly having someone else driving your car can be.

First, we must differentiate car insurance and liability insurance. Generally, car insurance is responsible for the car itself and anyone you have listed as a driver. Finer details or specifications may cover additional costs depending on your policy (so read that fine print or begin dialing your agent!).  Liability coverage is for the other vehicle and its driver. It takes on any medical costs or damages they face.

It is essential to understand the difference between these two types of coverage because which one kicks in depends on whether your friend or relative driving your vehicle is responsible for an accident. We recommend having both types of coverage (if you don’t, get ready to call your agent again!).

So, if your sister-in-law is driving your vehicle, gets in an accident, and is at fault, your liability coverage will cover the costs of the other driver and only the other driver and their damages or medical bills. The liability coverage will not assist in your vehicle damage costs or your sister-in-law’s medical costs, if necessary.

We don’t want to give you any false hope, so you must read through your policy details with your agent. If you have collision coverage, there is a possibility that you may be able to receive assistance in costs related to your vehicle repairs. Now, if your sister-in-law is insured, we suggest not letting her borrow your vehicle at all. In the case that she was at fault for an accident, you would likely be responsible for all costs.

In the chance that your sister-in-law was involved in an accident or fender-bender but was not at fault, you have nothing to worry about as far as medical or car damage costs. The other driver and their insurance would be responsible.

The moral of the story: every policy is different. We cannot guarantee your insurance will cover all costs, and neither can you. Why? Because car insurance covers the car, not the driver. Your safest choice is not to let others drive your vehicle, especially those not listed as drivers on your policy.

If you are curious about your policy limitations, call your agent or your local experts at Avery Hall Insurance. We can help you obtain adequate coverage for any aspect of your life


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