There are a number of reasons why someone else may be driving your vehicle. Their car may be in the shop, and you may be lending them your vehicle, or they may be doing you a favor, such as picking your kids up from school and borrowing your car to do so. Or, you may have guests visiting you from out of state, and you may give them your vehicle so they can run up to the store or out to eat alone one night.
At Holmes Insurance Services, serving the greater Youngsville, NC area, we are often asked if auto insurance will cover someone else driving their vehicle.
Will My Auto Insurance Cover Someone Else Driving My Vehicle?
As a general rule of thumb, yes, your auto insurance will cover someone else who is driving your vehicle, as long as that person is licensed. If the individual is not licensed and is driving your vehicle illegally, they generally will not be covered by your auto insurance policy.
Additionally, your auto insurance policy may have an excluded driver list. If your policy has an excluded driver list, read this list and see if anyone is on the list. If you have a family member who is on the list, they are excluded from driving your vehicle and will not be covered by your auto insurance policy.
Contact Us Today
If you own a vehicle, you want to do everything you can to ensure that you and your vehicle are fully covered if an accident happens. Here at Holmes Insurance Services, serving the greater Youngsville, NC area, we can help you to ensure that everything is fully covered. Schedule an appointment with us to discuss your auto insurance needs today.
