Does Car Insurance Cover the Car or the Driver?

car insurance

Is your brand new or pre-owned Cadillac, Buick, Chevrolet, Chrysler, Ford, GMC, Dodge, Jeep, Ram vehicle currently getting serviced at our Comanche Auto Center? It’s not uncommon to drive around in a friend’s or family member’s vehicle until your current model is repaired. As a driver, there are times when you may find yourself driving someone else’s vehicle or lending your vehicle to someone else. In these situations, there are important factors to take into account.



Should you borrow someone else’s car or let someone borrow your car? Would you still be covered if they get into an accident? What does car insurance cover? Find out whether car insurance covers the car or the driver with the experts at Bayer Auto Group below!

Car Coverage vs. Driver Coverage

So, what does car insurance cover exactly? The answer isn’t as simple as you’d think. Your insurance coverage will differ based on your insurer and their policies. Typically, certain coverages can follow you or your car. Some factors that determine whether and to what extent you and your vehicle are covered include:

  • Whether You Have Permission to Drive Someone Else’s Vehicle
  • The State Where You Live
  • The Names Listed on the Insurance Policy

Does Car Insurance Cover Other Drivers Who Operate My Car?

Wondering to yourself: “does car insurance cover the car and/or the drivers on my policy?” The answer is: Yes! Your car insurance will generally cover other family and friends operating your vehicle if they’re listed on your policy. However, for people not listed on your policy, your coverage will be based on consent. In this case, consent means that if you verbally confirm that someone can drive your vehicle, or you hand them the keys, they should be covered under the terms of your policy. Non-policy drivers may also be covered under the following circumstances:

  • When friends and family members borrow your car when theirs is being repaired
  • When sharing the driving responsibility on a road trip or a long drive
  • When extended family members visit you or stay with you at your household

Find Out More About What Your Car Insurance Covers with Bayer Auto Group

Whether your car insurance will cover the car or the driver can vary greatly depending on your specific auto insurance policy. That’s why we encourage you to review the exact terms of your insurance coverage carefully. If you require further assistance, we encourage you to get in touch with your insurance agent or reach out to us at Bayer Auto Group for more information today!


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