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Why isn't my name on the car insurance card, even though I'm insured?
I'm listed on my mom’s policy but my name isn't on the insurance card. Why is that?
Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car insurance
ID cards usually only list the named insured, which is also usually the person who purchased the policy. Other listed drivers can be found on the car insurance declaration page
.Permissive use is included in most car insurance policies and allows a person unlisted on a policy to drive the policyholder’s vehicle. Unless you’re specifically excluded from coverage on your mom’s policy, you’ll be covered when you drive her car—even if you’re name isn’t on the insurance card.
Some states apply restrictions to permissive use and it’s not an alternative to adding a driver to a policy, but you’re likely covered in either situation.
View full answer
- Gregory R.
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