Does insurance cover anyone who drives your car?

If I let my sister borrow my car, will she be covered? I don't want her to get into an accident and my vehicle not have coverage.

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Emily Maracle
Answered on Jul 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“As long as they have your permission, anyone who drives your vehicle should be covered by your car insurance. Car insurance typically follows the vehicle and not the driver, so anyone driving your vehicle would normally be covered.
However, there are some exceptions to this rule. If your sister lives in the same household as you, you’ll want to be sure your insurance doesn’t have her listed as excluded. Insurance companies usually require that policyholders list household members as excluded or rated.
If a driver is rated on your policy, they are covered explicitly under your insurance. If a driver is excluded, they have no coverage under your policy.
You’ll want to confirm your policy terms and conditions with your insurance company. If your sister is going to be borrowing your vehicle frequently, you may want to consider listing her as an additional driver.”
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