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The Russell Agency, LLC Blog

All You Ever Wanted to Know About Insurance

Other Drivers and Your Car


Is your car covered if someone else is driving? The comprehensive and collision sections of your auto-insurance policy are attached to your car, so most insurance policies with comprehensive coverage will cover your vehicle if another person is driving it.

In addition, an auto-insurance policy’s liability coverage also follows the vehicle. Therefore, if you loan your car to a friend who has his or her own auto-insurance policy, your policy will be responsible if that person causes an accident.

Before you hand over the keys, pause to consider:

• Is the person a licensed driver in good standing with his or her own auto insurance policy?

• Is the driver a newly licensed individual in your household?

• Do any new drivers in your home need to be added to your policy before getting behind the wheel?

Before you offer to help a friend in need, give our agency a call. We can review your auto policy to make sure you have the needed protection.