NOTE: Your own policy provides the primary coverage, not theirs. Discover our hints for text-free driving that protect you, your passengers and your dreams. If you’re the parent who isn’t listing the child on your car insurance, your child can still drive your car and be covered by your insurance. Your car insurance typically will cover other drivers operating your vehicle if they’re listed on the policy. So, keep in mind, if you let someone who doesn’t have insurance drive your vehicle, it could be you who is also on the chopping block and paying for damages if they were to get into an accident. For others not listed on your policy – like friends or extended family members – the issue becomes murkier. "As a car owner, you always have vicarious liability for anyone you allow to operate your vehicle," says Penny Gusner, consumer analyst at Insure.com. If you use your vehicle for commercial purposes, your insurance policy will typically not cover incidents occurring during this type of use. It’s easy to be distracted while driving. Your finances should also play a role in your decision. Learn what to do if you total your car (or if your friend totals your car). However, auto insurance companies generally have a requirement called “insurable interest.” Insurable interest means you have an interest in the insured vehicle’s value, typically a financial relationship. Click here for a checklist of things to consider when you’re test driving a new car, before you purchase. Still, it could also be a contractual or legal relationship to … If you’re not on the owner’s policy, applicable coverage will again depend on consent. The reason? Driving your parents’ vehicle with permission, assuming you are not listed as an excluded driver on their policy. The claim would go on your insurance record and could affect your car insurance rates in the future. Share these tips for teen drivers with your newly liberated, bright-eyed motorist to keep them safe and focused on the road — and hopefully help them avoid speeding tickets. It doesn’t really seem fair for you to suffer the consequences if you didn’t cause the accident, so before letting someone jump in the driver’s seat of your ride, make it clear whether they’ll be helping pay some or all of the deductible if they cause an accident. The short answer: Yes. Say your cousin Sally came to town and wanted to take your ride for a spin. You drive someone else’s car frequently: Although the other person’s auto insurance covers permissive drivers, if you get into an accident and the cost of damage exceeds their policy limits, your non-owner car insurance can cover the rest, since non-owner car insurance is extra liability coverage. She caused an accident and unfortunately Sally doesn’t have insurance of her own. In the event that you find yourself in this situation, insurance coverage when driving someone else's car is, in general, the coverage you carry for your own vehicle. Insurance usually goes with the car. Yes, you do need car insurance to drive someone else’s vehicle. You will likely need an additional, specific auto insurance policy to cover this activity. Cars used for business can require commercial coverage. Let’s say you let your sister take your car to pick up pizza you ordered. Typically, comprehensive and collision insurance cover your car even when someone else is driving. Again, make sure you both are on the same page as far as who will pay the deductible if you get into an accident while driving their vehicle. The first condition that must be met is that the driver must have been given consent by the named insured to drive the car, ... Travelers Car Insurance Review; Send us your receipts, photos, invoices and more with just a push of a button. If someone borrows your car and crashes it, your insurance will cover the losses — however, your premiums may increase. Let us worry about the risks of the road, while you enjoy the freedom of the ride. We'll reward you for your safe driving! In general, liability coverage covers you if the car you're driving belongs to someone else, and your liability coverage may also cover others who drive your car with your permission. Insurers refer to people you allow to operate your car as permissive drivers. ©2021 American Family Mutual Insurance Company, S.I. Anyone who drives your car on a regular basis and resides in your household – such as a child – must be listed on your auto insurance. This is because insurance follows the vehicle, not the driver. Your car insurance typically will cover other drivers operating your vehicle if they’re listed on the policy. Usually, the owner of the vehicle is a “named insured” on the auto policy. You’re not alone. If you’re wondering what to look for when test driving a car, look no further. When extended family members visit you or stay with you at your home. Or you’re home from college for a visit and want to meet some friends, but you left your car on campus. "If it's an occasional use, say I borrow your car to go pick up milk, and as long as permission has been verbally granted, you'll … 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? Take Control of What You Pay for Insurance. So, typically your car insurance covers other drivers regardless of who’s driving it at the time of the accident as long as the driver has permissive use. With the right support, any dream is possible! You get a frantic call from her telling you that she got into an accident, but fortunately it wasn’t her fault. Make sure you’re both on the same page. Car Insurance Follows the Vehicle You can drive his car, and if you were to cause an accident, both your liability and his liability as the owner of the car would be covered under his policy. It’s not an uncommon scenario: Your car is at the mechanic’s shop being repaired and your mother-in-law has offered her car to you until yours is road-ready again. Loaning your car: consider the pros and cons. Some insurers require that you be added to the policy while holding the learner’s permit. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident. Driving someone else’s car without proper consent can pose a liability issue for both of you. Most states require you to maintain a minimum level of auto insurance before you can register your car or drive it on state roads. 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