Does Your Auto Insurance Cover Other Drivers?

Whos covered by your auto insurance?

Does Your Auto Insurance Cover Other Drivers?

Learn who is covered by your auto policy.

While you might be a generous car owner who is happy to lend your car out to your family members and friends, did you know that your auto insurance in Orange, California is just as generous?  In fact, the coverage that your policy offers might extend to more people than you thought.  Read on to learn how your car insurance covers other drivers.

Immediate Family

Normally, your auto insurance completely covers your immediate family members who live under the same roof as you.  This means that if your spouse, children, or siblings borrowed your car, they would have complete protection from your policy.  Be aware that they are only covered if they are driving with a valid license.

Extended Family and Friends

When your extended family members and friends drive your car, they are covered under the rule of permissive use.  Permissive use essentially means that any person driving your car is covered under your policy as long as you gave them express permission to use your vehicle.  However, it’s important to note that drivers covered by permissive use have lower liability limits than the drivers explicitly listed on your policy.  Additionally, permissive use only applies to short and infrequent uses of your car.  If a family member or friend needs to use your car on a more regular basis, then you should add them to your policy to ensure that they have adequate coverage.

Boyfriend/Girlfriend

If your significant other lives separately from you, then they are covered by permissive use much like your other friends. However, if you live together, then the situation changes slightly.  In this case you should add your boyfriend or girlfriend to your policy to ensure that they are fully protected.

This is how your car insurance can extend to cover other drivers.  Do you still have more questions about your auto insurance?  Then don’t hesitate to contact us at Remland Insurance in Orange. California.  Our dedicated team is ready to assist you with all your coverage needs.