“If my friend is borrowing a car from me, does my insurance cover them?” Most of the time, yes – as long as they’re a licensed driver. Anyone who regularly drives your vehicle should be named on your policy, as well as all drivers in your household. Your policy may include some occasional or permissive driver use for those who borrow your car. However, we recommend getting in contact with your agent if you have coverage questions!
Auto Coverage Basics
Auto insurance options can be confusing and overwhelming, but our agency is here to help! Like most other policy types, auto insurance is a package of coverage that can help to protect you if you cause damage or injury to others. Here are the types of auto insurance coverage that are generally found in most policies:
- Liability: Covers the injuries and damages of others when you are at fault. This coverage is also usually required by law.
- Comprehensive: Covers damages to your vehicle caused by things other than collision. This includes things like wind, hail, theft, animals, vandalism, and more!
- Collision: Pays to fix or replace your vehicle when you are at fault. This covers collisions with other vehicles, animals, and objects.
- Uninsured Motorists: Covers your injuries and damages when cause by an uninsured or underinsured driver. This also covers your passengers!
- Medical Payments: Assists with medical care costs for you and your passengers, regardless of who’s at fault.