Is Anyone Who Drives My Car Covered?

I get a lot of questions from my readers. Auto insurance questions are the most popular. Here is a very common question a lot of people are worried about when it comes to their auto insurance:

Is anyone who drives my car covered?

In most cases, yes, as long as they have the permission or reasonable belief from the insured that they can use the vehicle. The insured is the person named on the policy and their spouse if applicable. There are some exclusions, so you would need to look at your particular policy to make sure. Remember, everyone in your household must be listed on your policy if they have a license. For example, if a girlfriend you live with uses your car, she may not be covered if you did not list her on your policy. On the other hand, if you live separately, she could use you car with your permission and be covered.