Does car insurance cover all other drivers?

Many people want answers to the question: does car insurance cover all other drivers? Anyone who has permission to drive your car is also protected under your car insurance policy. If someone who isn't on your policy drives, their insurance can pay for it. If they don't have insurance, your policy may be able to cover them.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 12, 2021

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The Highlights

  • Does car insurance cover all drivers? If you let someone drive your car who isn’t on your policy, their insurance may kick in if they get into an accident
  • Your car insurance may also cover an accident caused by someone else driving your car
  • Your car will not be insured if someone who does not have permission to drive it drives it

When looking to buy car insurance, there are numerous factors to consider. One of the most frequently asked questions is, does car insurance cover all other drivers?

The short answer is that, in the vast majority of circumstances, your insurance will cover any driver on your car.

Note that there are always exceptions to the rule, even with insurance from the best insurance companies. It’s up to you to allow other drivers who aren’t named on your policy to drive your car.

Read on to learn everything you need to know about if car insurance covers all other drivers. Get car insurance quotes from top companies near you simply by entering your ZIP code right now.

Does my car insurance cover other drivers?

In most cases, your insurance company will pay out to repair your vehicle. That’s the case no matter who is driving.

Other drivers are definitely covered under your car insurance if they are on the policy, for example close family and household members.

For friends or others who aren’t covered under your policy, it’s a gray area. Basically, if you give permission to drive your vehicle, your insurance should typically cover them.

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Car vs. Driver Coverage

What about the other car? Damages to the other car and driver are covered by liability insurance when you are at fault. This is why liability coverage is mandatory everywhere except New Hampshire.

Your car is covered by your comprehensive and collision insurance. And you are covered by liability insurance.

So, in cases where the other car is damaged, your liability insurance will cover it.

Worried about your own car? If you have both comprehensive and collision insurance, you can rest easy as they will cover repairs to your car. If you aren’t sure if you have both, it could be time to compare car insurance and make sure you have the best coverage for your needs.

Check out quotes from companies near you now, and make sure your car insurance company has you covered.

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How To Choose The Best Car Insurance Coverage

Now you know if your car insurance covers all other drivers, you should assess your current insurance plan.

Doing so couldn’t be easier. All you have to do is enter your ZIP code now to compare rates from the best car insurance companies near you.

Frequently Asked Questions: Does car insurance cover all other drivers?

Have more questions about if car insurance covers other drivers? Here are some frequently asked questions.

#1 – Does my car insurance cover me as a passenger in another car?

Yes, if the coverage that the at-fault driver has is not sufficient, you can usually rely on your own car insurance to pay for your injuries.

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