Who Does My Auto Insurance Cover?

Find out who is covered under your auto insurance policy.

Before you lend out your car to your friends and family members, it’s important that you understand who is covered under your car insurance.  If you are confused about who is covered by your insurance, don’t worry.  Here are some of the people that are safely covered by your policy.

Immediate Family Members

People who are living in the same house as you are generally covered by the same insurance policy as you are.  This means that your spouse, children, siblings, etc. are generally safe to operate your car, so long as they have a valid driver’s license.

Extended Family

Thanks to the rule of permissive use, extended family members such as a grandparent, aunt, or cousin are generally covered by your policy.  The rule of permissive use dictates that people are covered as long as you give them express permission to use your vehicle.  However, this only applies for infrequent usage of your vehicle.  If your relatives are intending to use your car for a more extended period of time, you may actually have to add them to your policy.


Like extended family members, your friends are usually covered by permissive use when they borrow your car.  For instance, if you are on a long road trip and they take a turn driving your car, then they will likely be covered by your insurance.  However, be aware that drivers who are not listed on your policy might face lower liability limits.

These are some of the people who are covered under your standard auto insurance policy.  Do you still have questions regarding your car coverage?  Don’t hesitate to contact the experts at Pierce Insurance Group.  Our knowledgeable professionals are ready to assist you with all your coverage needs.