Services
Insurance
Loans
Repairs
Advice
About

Will my insurance policy let anyone drive?

Can I let anyone drive my car? My brother wants to use my car this weekend since his will be in the shop. I am happy to let him borrow it, but I want to be covered if he gets into an accident.

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Don’t worry; the odds are that your brother will be insured while borrowing your car. This is because most
car insurance
policies have a permissive use clause. Permissive use means anyone you permit to drive will be a covered driver!
There are exceptions to this rule, so make sure to check with your insurance provider first. While rare, some insurance policies only cover drivers that are named on the
declarations page
.
If you have
excluded your brother
from the policy for any reason, he would not be covered to drive your vehicle at all.
Another way you are protected is by your brother’s current insurance policy. His active policy will piggyback on your coverage in the event of a loss where your policy limits are exhausted. For example, suppose you have
liability coverage
limits of $50,000 per person and $100,000 per occurrence. In that case, any loss exceeding this amount will be covered up to the limits of your brother’s policy.
While you are thinking about your policy coverages, take a moment and download the
Jerry
app to make sure you are happy with your current policy limits. Jerry shops personalized rates with over 50 top insurance providers, including Nationwide and Allstate, to ensure you’re getting the lowest rate with the best coverage. The average Jerry driver saves $879 a year on car insurance!”
View full answer 
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings