It’s tempting to lend out your car when a friend needs it, or a family member needs to run to the store, and you don’t feel like going. Still, it’s worth making sure they’re actually covered by your auto policy in case something happens.
Permissive Use
Many policies include something called permissive use. If the person has a valid driver’s license, doesn’t regularly use your car, and has your permission, your policy will typically cover an accident. A few exceptions and exclusions can apply, so it’s worth contacting a Pizano Insurance agent to learn more about your specific policy before letting someone else drive your car.
Household Members
Household members, including relatives and roommates, are usually excluded from standard permissive use coverage. People who live with you typically need to be listed on your policy or specifically listed as excluded drivers. Excluded drivers won’t be covered if they drive your car in Wayzata, MN, even with your permission.
Common Insurance Rules Apply
If you let someone borrow your car, the same rules that normally apply to you generally apply to them as well. An accident can still raise your insurance rates, even if you weren’t in the vehicle at the time. Your policy also won’t cover activities that typically require commercial coverage, such as rideshare driving or food delivery services. That means if an accident happens while your car is being used for one of these purposes, it likely won’t be covered.
An agent at Pizano Insurance can help you better understand your auto policy. We’ll take the time to listen to your specific situation, so you know exactly who can and can’t drive your vehicle. Contact us today. We’re currently serving the Wayzata, MN, area.
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