This is a question that we hear a lot around here:  Can I let my friend drive my car and still be covered?

Maybe you’re going on a trip, need a designated driver, or just want to help out a friend in need.  There are lots of situations where you might want to let someone else drive your car.

Fortunately, the short answer is that YES you are covered.  Here’s how it works:

If you give someone permission to drive and they are a licensed driver, then there is no problem.  Your insurance will still pay out for liability damage and still cover your car (as long as you have collision and comprehensive coverage.)  If your friend has their own insurance, their policy may pay for damage to your vehicle as well.  

Of course you still want to make sure that your friend or family member is a safe and trustworthy driver.  Any claims made while they’re driving will still count against your policy and risk a rate increase or loss of discounts in the future.  

And if the person lives in your household or drives your car on a regular basis, you’ll need to add them to your policy as a covered driver.  This is especially important if they are a teenage driver in your home! 

Have questions?  Feel free to call us anytime with questions about your specific situation and policy coverages!