Is My Car Covered if Someone Else Drives It?

A question I hear all the time is, “If someone else drives my car and gets into an accident, will my insurance cover it?” The short answer is usually yes—but it depends on your policy and the situation. Understanding how coverage works can save you from surprises down the road.

Insurance Usually Follows the Car

In most cases, auto insurance follows the car, not the driver. That means if you allow a friend or family member to borrow your vehicle and they’re in an accident, your insurance is typically the primary coverage. Your liability coverage would help pay for damage or injuries to others, and if you carry collision and comprehensive coverage, that could help repair your own vehicle as well. The other driver’s insurance may act as secondary coverage, but yours is usually first in line.

When You May Not Be Covered

There are some important exceptions to keep in mind:

• Excluded drivers – If someone is specifically excluded on your policy, they are not covered under any circumstance.

• No permission given – If your car is taken without your knowledge or approval, your insurer may deny coverage.

• Business use – Using your car for delivery services (like food or packages) or ridesharing often requires special coverage. If the driver is using your vehicle for business purposes, your standard policy may not apply.

• Coverage limits – Remember, your policy only pays up to the coverage limits you selected. If damages exceed those limits, you could be responsible for the difference.

Good Practices to Protect Yourself

It’s fine to let a trusted person drive your car occasionally, but if someone will be using your vehicle regularly—like a teenager, spouse, or roommate—it’s best to add them to your policy. That way, you avoid gaps in protection. It’s also smart to review your liability limits. If they’re too low, you might not be fully protected in a serious accident.

The Bottom LineYes, most of the time your car insurance covers your vehicle when someone else drives it—but only if they’re using it with your permission and the situation fits within your policy terms. Every policy is different, which is why it’s important to review yours and make sure you’re protected.

Have questions about your auto insurance or want to review your coverage? Contact The Pollick Agency today. Call, text, or email us for a free insurance review and personalized advice.

Serving Beaver County, PA with all property and casualty insurance needs. We can help with home owners, renters, condo, and landlord policies. Auto, car, motorcycle, RV, ATV/UTV, boat. Umbrella, business, life.