Does your car insurance cover other drivers not added to your policy?


If your car gets involved in an accident with another driver behind the wheel, the question is whether it is only the car that gets covered by your insurance or the driver as well. The insurance prioritizes the vehicle first before the driver. If another person is permitted to drive another’s car, he is covered by the owner’s insurance once involved in an accident. Consent plays a primary role in determining insurance coverage. Excluded here are those ineligible to drive, such as unlicensed teenagers. Your primary coverage covers your vehicle (damage) while your secondary coverage (includes medical expenses and liabilities) takes care of the driver.