People Covered Under Your Car Insurance

Learn who is protected by your auto insurance policy.People Covered Under Your Car Insurance

Before you lend out your car for someone to use, make sure you understand who is covered by your auto policy and how far this coverage extends.  Read on to learn more about your auto policy coverage.

Immediate Family

Generally, your immediate family members who live under the same roof as you are protected under your auto insurance.  This means that your spouse, children, and siblings are covered when they use your car, so long as they have a valid driver’s license.

Extended Family and Friends

Your extended family members and friends are normally protected under the rule of permissive use.  Essentially, permissive use means that any driver is covered by your policy so long as you give them permission to operate your vehicle.  Keep in mind that those covered under permissive use will have lower liability limits than drivers that are explicitly listed on your policy.  Additionally, permissive use only applies to short, infrequent uses of your car.  If a family member or friend intends to use your car regularly, then you should add them to your policy to ensure they are completely covered.


If you and your boyfriend/girlfriend live separately, they are likely covered by permissive use much like your other friends.  However, if you are living under the same roof, then the situation changes slightly.  In this case, you should probably get a joint policy to ensure that you are both covered completely.

If you have more questions regarding your auto insurance coverage, please don’t hesitate to contact us at Desert Empire Insurance.  Our dedicated professionals are always ready to assist you with your insurance needs.