Do you let other people drive your car? Should you let them drive your car? Would your insurance cover another driver? The answer is yes, on certain occasions. Firstly, they have to have your permission to drive the car. Second, they have to be listed on your policy. Another important factor is if the driver in question lives with you or uses the car frequently. These people, whether they be roommates or family, need to be added to the policy in order to guarantee coverage in the event of an accident. Keep in mind the other driver is only covered if they have permission to drive and are a household member. 

When Another Driver Is Not Covered

If someone isn’t on the policy yet frequently uses your car your insurer may deny the claim even if they had permission. Of course, anyone who was specifically excluded from the policy will not be covered. Generally, this is when the person in question is considered high risk. Even if the person has permission, they still need to have a valid license to drive. Personal policies also will not cover accidents occurring during business use such as ridesharing. You should always add anyone who frequently drives your car to your policy in order to guarantee that they are covered, thus preventing any potential claim denials or policy voiding. 

Cross Creek Insurance Serving Hope Mills, NC 

If you are in the Hope Mills, NC area and in need of auto insurance, please contact us at Cross Creek Insurance. We will get you in touch with a knowledgeable and courteous agent who will try their utmost to help you find the policy that is best suited for you and your unique needs.