Are my family members automatically covered by my auto insurance?

Thursday, May 28th, 2009

Are my family members automatically covered by my auto insurance?

Insurance coverage for non-policy owners

When you purchase auto insurance, the policy may cover the damages as stipulated no matter who is driving the car at the time of accident as long as the policy owner has granted the driver permission to drive the car.

However, some insurance companies will exclude other members of your household from being covered unless you include them by listing each person on your policy as a frequent driver of the vehicle.

When purchasing car insurance, notify the insurer about who will be driving your car on a regular basis. If necessary, they will add the drivers to the policy to make sure that there are no questions of coverage should an accident occur.



2 Responses to “Are my family members automatically covered by my auto insurance?”


  • Brandon Says:

    “…as long as the policy owner has granted the driver permission to drive the car.”
    That doesn’t have to be written in the policy for that to happen?
    I can allow a friend to drive my car on the fly and I would still be insured?




  • Matt Says:

    I would imagine that with most policies, “family members” and “friends” are treated very differently. As with most things related to insurance, specifics can vary widely from company to company and even policy to policy.

    I believe even different family members can be treated differently within a policy. For example, if a family member who lives with you (but is not officially listed on the policy) drives the car, he/she may be covered. But if a family member from out of town drives the car (obviously not on the policy, as well), he/she may not be covered.

    Unfortunately, you’ll have to check with your policy/company to get the 100% correct answer.




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