Does My Car Insurance Cover Other Drivers?
You may have hopped behind the wheel of a friend’s vehicle without much thought, and though it may not seem like a big deal to drive a vehicle that isn’t yours, there are a few things you should be mindful of before gettin’ into gear.
We’re here to clear up the question about whether or not your car insurance covers other drivers, so you can hit the road with confidence knowing you’re properly protecting yourself — and the person driving your car — from the unexpected.
Keep These Tips in Mind Before Lending Your Car
If you plan on letting someone else drive your car, consider the following:
- Make sure you’re both on the same page. Sure, your friend should be covered by your insurance if they’re in an accident, but will they help pay for any additional costs or deductibles?
- Contact your agent or take a look at your policy to make sure you understand the details and the state specific laws of your insurance.
- Whether uninsured, underinsured or an insured driver, if someone is an accident while driving your vehicle, you could be put in a bad situation, so be guarded about letting other people drive your vehicle.
- Don’t let just anyone drive your car. Make sure they are a trustworthy driver and have a good driving record.
Remember, all of this being said, different insurance companies may have different limitations, so it’s best to check-in with your insurance agent before letting someone else drive your car. That way you know what you may be facing if they were to get into an accident.
An American Family Insurance agent is happy to clear up any confusion you may have about your car coverage when someone else drives your car. You can also check out our auto insurance coverages to ensure you’re properly covered from the unexpected.