Will my personal auto insurance policy cover a hired driver to take me to work?

"I often have to drive from LA to San Francisco and I hire someone to drive me so that I can sleep on the way. It's my car and I have my own insurance policy for it. Would the driver be covered?"

“Your insurance typically follows your vehicle, not the driver. This means you could let your friends drive your car and they would be covered by your policy. But it gets a bit more complicated when you hire a driver.
Hiring someone often invalidates typical coverage under your policy. If you’re using your car for business purposes, you can purchase business vehicle insurance, but a hired driver alone wouldn’t constitute business use.
To protect yourself against liabilities, your best bet is for the driver to purchase their own policy, such as non-owner car insurance or be added as a driver to your policy.”
Sophie Newman
Answered on Jul 27, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

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 — it's 100% free