Letās say your friend borrows your car for a quick run to the store. No big deal, right?
But what if they get into an accident? š¬
You might assume your insurance will cover it ā but thatās not always the case.
Why It Matters Who Drives Your Car
Auto insurance doesnāt automatically cover just anyone who drives your vehicle.
Most policies are designed to protect the policyholder and other listed drivers ā that is, people youāve officially added to your insurance.
If someone drives your car occasionally, your insurer might still cover it under whatās called āpermissive use.ā But if they drive it regularly ā like a roommate, partner, or teen driver ā and theyāre not on your policy, you could be in trouble if something goes wrong.
What Can Happen If You Donāt List a Driver
If an unlisted driver gets into an accident:
- Your claim might be denied.
- You could be on the hook for the damages ā including repairs, medical bills, or legal costs.
- Your insurer may consider it a misrepresentation, especially if that driver should have been disclosed.
Who Should Be Listed on Your Policy?
You should add anyone who:
- Lives in your household and has access to your car
- Drives your car regularly (even if they donāt live with you)
- Is a newly licensed teen or a partner using your vehicle often
š” Even if someone has their own insurance, they may still need to be listed on yours if they use your car frequently.
When in Doubt, Ask Your Broker
Every policy is different, and what counts as āregular useā can vary between insurance companies. If youāre unsure, itās always best to check with your broker.
š We can review your current policy, walk you through who should be listed, and make sure youāre not at risk of denied claims.
š Bottom Line:
Letting someone borrow your car once in a while? Probably fine.
Letting them borrow it every weekend? Add them to your policy.
Itās a quick step that could save you thousands later.
š Have questions about your coverage? Contact us today ā weāre here to help.
