Does my Liberty Mutual ByMiles cover other drivers?

If someone is borrowing my vehicle, are they covered by my insurance? Do I need to pay for their mileage?

Answer provided by
Emily Maracle
Answered on Jul 07, 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.
Car insurance typically follows the vehicle and not the driver. If you are giving someone permission to use your vehicle, they should be covered by your insurance.
If you are on a pay per mile plan with Liberty Mutual, you would still be charged for their mileage. As the ByMiles program is attached to your vehicle, any miles driven on it are counted.
Before letting someone borrow your vehicle, you should ensure that permissive use is covered by your insurance policy. You can reach out to Liberty Mutual directly to confirm what is covered.
If your vehicle is damaged while someone is borrowing it, you want to make sure it’s protected.”

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