Does my car insurance cover other drivers?

It’s your car, and you’re usually the one who drives it. But life is unpredictable — and sometimes that means handing over the keys to someone else. Maybe you’re on a long road trip and a travel buddy takes over to give you a break. Or, someone in your household borrows your car to run a quick errand.

In situations like these, it’s natural to wonder, “If someone else is behind the wheel, will my insurance still cover me?" Let’s explore how your auto insurance may help protect your car — and the people driving it.

Does car insurance follow the car or the driver?

In most cases, auto insurance follows the vehicle, not the person driving. Typically, your policy is responsible for accident-related damages, even if you’re not the one behind the wheel. Many insurers, including American Family Insurance, offer coverage that protects your car no matter who's driving — but there are important details to keep in mind.

For one, every accident is unique. Factors like where the accident happened, state laws, and your insurance provider can affect how a claim is handled. Plus, every policy is different. Some insurers let you exclude certain drivers from your coverage to lower your rates. Check your policy for any exclusions before letting someone take the driver's seat.

Can my car insurance cover other drivers?

Usually, yes. Your car insurance coverage often extends to other drivers using your car — even if they aren’t listed on your policy. This also means if someone else gets into an accident in your vehicle, their own policy typically won’t cover the damages. Your car insurance is usually the one that applies.

Remember, though, if you’ve named someone as an excluded driver, they wouldn’t be covered. In addition, some coverages may only apply when the primary insured is driving.

Review your policy or speak with an agent to understand when someone else may or may not be protected.

How your policy may help other drivers

Because insurance generally follows the vehicle, it's important to know which coverages may apply when someone else is driving your car. Here are a few examples:

• Collision coverage: If your neighbor volunteers to move your car and accidentally hits a tree, collision coverage can help pay for repairs.
• Medical payments coverage: If your spouse requires hospital care after getting in an accident while driving your car to the supermarket, this coverage could help with medical bills.
• Uninsured motorist coverage: If your sibling is driving your car and hit by someone without insurance, uninsured motorist coverage may help cover costs the other driver can’t.
• Property damage liability coverage: If your friend rear-ends another car while driving yours, this coverage may help pay for damages to the other vehicle.
• Comprehensive coverage: If a relative hits a deer while driving your car, comprehensive coverage may help with repairs.

Check with your agent to review your policy and discuss the coverages you have in place. And remember, even if another driver is covered by your insurance, your deductible and limits will still apply.

If someone else gets a ticket in my car, will it affect my insurance rates?

It depends on the situation, the insurer, and especially the driver’s status on your insurance policy. If the ticketed driver is listed as a rated operator on your policy, your premium may be affected. If not, your rates probably won’t change.

Every situation is different, so reach out to your agent for advice about your specific circumstances.

Keep these tips in mind before lending your car

Thinking about letting someone borrow your car? Here are a few things to consider:

• Review your policy. Make sure you understand who’s covered and any state-specific laws relating to your insurance. An agent can help clarify details.
• Make sure you’re both on the same page. If your friend is covered for accident-related damages, will they help pay for deductibles or extra costs? It’s best to discuss this upfront.
• Be careful who you trust with your car. Lending your car is a big responsibility. If someone gets in an accident, your premiums could go up, and you could even be named in a lawsuit. Only hand over your car keys to trustworthy drivers with good records.

Other frequently asked questions

Can the person driving my car use their insurance to cover accident-related damages?

Possibly. Some insurance carriers may take over for covered events, while others won’t. It’s a good idea to ask anyone who might drive your car to check how their insurer would approach this situation.

Will my car insurance cover others for paid car-sharing, ridesharing or commercial activities?

Not likely — unless you have the right coverage and/or endorsements.

Still have questions? Connect with an American Family Insurance agent to learn more.

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.