Should you let friends drive your car?

Whether uninsured, underinsured or an insured driver, if someone is an accident while driving your vehicle, you could be put in a bad situation, so be guarded about letting other people drive your vehicle. Don't let just anyone drive your car. Make sure they are a trustworthy driver and have a good driving record.

Is it bad to let someone else drive your car?

If someone borrows your car, they're also — in a sense — borrowing your car insurance. That's the case only if you allow them to drive your vehicle. Your policy's liability coverage would pay for injury and damage they caused to any other driver and their property.

Why you shouldn't let someone drive your car?

They could lose control of your vehicle and collide with another vehicle. That could put you on the hook to cover the damages. Although you may trust your friend, you shouldn't risk your car and your insurance coverage by allowing them to drive your vehicle.

What happens if your friend is driving your car?

If you allow somebody else to take your car and they get into an accident, your insurance provider is liable to pay the claim, based on your policy's coverage. The claim would be marked on your insurance record, which might have an impact on your future insurance costs.

Can I let my friend drive?

If friends or family take your car without your permission and you can prove it, their car insurance policy will cover damage to the fullest extent. As the secondary insurance policy, however, yours might also take a hit. Keep in mind that proving you've denied permission to drive your car can get tricky.

Should I Let My Friends Drive My Car?

What happens if driver is not listed on insurance?

Excluded drivers (those specifically listed on the policy as not covered) will typically not be covered when driving a car under your auto insurance policy. In some states, excluded drivers may have a minimal amount of coverage, though this (and the exact type of coverage provided) will depend on where you live.

Can someone drive my car on my insurance?

Can I get insurance for anyone to drive my car? An 'any driver' insurance policy allows anyone to drive your car at any time. There's no limit to how many people can drive the car, so any friends or family, who have your permission, are legally insured to drive it.

Can my wife drive my car if she's not on my insurance?

Can my wife drive my car without insurance? If you have a car and insurance but your wife does not have a separate car, she should be listed on your car insurance policy as a driver. Most insurance companies require all licensed household members to be listed on the policy as drivers.

Can someone drive my car if they are not on my insurance progressive?

As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others' cars, property, or even injuries are covered.

Should I lend my car to someone?

We recommend not lending your car to someone who doesn't have car insurance of their own because if they cause an accident in your car, then you would be liable for the costs that exceed your coverage limit.

Should I let my boyfriend borrow my car?

Answer provided by

“You can let your boyfriend drive your car on occasion. As long as he has your permission to drive your car, your car insurance will likely cover him. But if he gets into an at-fault accident and the costs of the accident exceed your coverage limits, you'll be responsible for any remaining balance.

What happens if I lend my car?

If the person who borrowed your car is found to have a suspended licence, your vehicle will be impounded and held for a minimum of 45 days on account of the following violations: Driving under the influence. Driving while in violation of any condition on their driver's licence. Driving while disqualified.

What does adding a driver to your insurance do?

Adding a driver to your policy means they're an insured driver under your policy when they drive your car. So, if they get into an accident, your insurer is more likely to cover the damage than for an unlisted driver. Sharing a policy with someone typically means both of your vehicles are covered under one policy.

Can you temporarily add someone to your car insurance?

You should be able to add a second driver to your insurance policy temporarily, but you may not need to do so. That's because most car insurance policies cover anyone you let use your vehicle--up to a point. This is called permissive use. Not all insurance companies or policies cover permissive use, however.

What is a permissive use driver?

Who Is a Permissive User on Your Car Insurance Policy? Permissive use in an automobile insurance policy means that you give a person—who is not specifically covered by name or as a household member—permission to drive your car. For example, if you allow a friend to borrow your car, that is permissive use.

Can my boyfriend take my car if it's in his name?

if the car is registered to you and insured under your name it is your car. he can not prevent you from taking it.

Can my daughter drive my car?

You must be properly insured if you drive on the public road, no matter how short the distance, even if your parents have given their permission for you to drive the car, and even if they have their own insurance policy covering the vehicle.

Do I have to add my girlfriend to my car insurance?

If your girlfriend or boyfriend lives with you and plans to drive your car regularly, she or he should be added to your policy. Insurance companies often require that people in your household who will be driving your vehicle be added to your policy.

Can someone else drive my car if I am banned?

Answered by Tim Kelly. Your insurance is technically void as you no longer have a license to drive. It's contractual that you do, though it does fall into a grey area. The contract of insurance is covering the vehicle as well as you, and it may have been a policy covering more than one person.

Can someone else be the main driver on my car?

Car insurance fronting – where someone declares themselves as the main driver of a car even though it will be someone else – is illegal.

Can someone borrow my car?

Anyone outside the home is considered 'a permissive driver'. Permissive use is when the owner lends out the vehicle occasionally to a person outside the household. Whether the car is loaned out to the household family members of permissive drivers, the car owner will be held liable as per California state law.

Can someone else insure my car if the title is under my name?

While the person who owns the car is usually the one who insures it, most states will allow someone other than the owner to pay for a car policy. However, many driver's insurance providers will only insure a car if the policyholder and car owner are the same.

Does a named driver have to have their own insurance?

Does a named driver need their own insurance? No, you do not need your own insurance policy as a named driver.

Can I remove my son from my car insurance when he goes to college?

Many auto insurance companies will allow you to remove a child who has left for college — as long as the school they're attending is over 100 miles away. When the school is less than 100 miles, auto insurers think there is a good possibility that your child may return home on a fairly frequent basis and use your car.

Is it cheaper to have a second driver on car insurance?

How much does car insurance cost with a named driver? Adding a named driver often makes the premiums cheaper because it's assumed you'll spend less time driving, since the car is shared. This reduces your probability of having an accident and making a claim, which is reflected in cheaper car insurance quotes.