Usually, yes — your car insurance coverage should extend to anyone else driving your car. Think of it this way: the car insurance typically follows the car, not the driver.
What must you check before you drive someone else’s vehicle?
Explanation: Driving a vehicle without insurance cover is illegal, so be sure that, whoever’s car you drive, you’re insured – whether on their policy or on your own.
What happens if someone else crashes your car?
Most state laws require drivers to have their own insurance. Further, if someone causes an accident in your car, the borrower’s own insurance and your insurance will be available to pay for covered losses. If the borrower does not have insurance, your policy limits could be exhausted in the event of a serious accident.
Can I add my daughters boyfriend to my car insurance?
In most cases, the only people/entities that have an insurable interest and are allowed to get car insurance are vehicle owners and lienholders. So your daughter’s boyfriend will likely have to get his own policy.
