Learn who is covered under your auto policy.

Many drivers are generous and they routinely lend their car to their family and friends.  However, did you know that your auto insurance is just as giving?  Here’s how your auto insurance offers coverage to your family members and friends.

Generally, your auto insurance can cover your immediate family members that live with you. Remember, auto insurance follows the car.  This means that your spouse, children, and siblings are insured if they borrow your car and they are operating your car with a valid driver’s license and your permission. As residents of the household, family members’ coverage may vary by insurance carrier. It is important to review your own auto insurance policy or check with your agent if you plan on loaning your car to a family member.

Extended Family and Friends

Your extended family members and friends are typically covered by your insurance due to the rule of permissive use.  Permissive use essentially means that anyone driving your car is insured, so long as they have your express permission to use your car.  However, it’s important to be aware that drivers covered under permissive use may have lower liability limits than someone who is actually 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 more regularly, you’ll have to add their name to your policy to ensure that they are adequately covered.


If you and your significant other live separately, they are likely covered by permissive use much like your other friends.  However, if you and your boyfriend or girlfriend are living together, the situation changes.  In this case, it’s better to add their name to your policy to ensure that they are covered.

If you have more questions regarding your auto insurance about what and who the policy covers, we recommend you reach out and contact us at Randy Jones Insurance Services.  Located in Pleasanton, California, our dedicated team is ready to assist you with all your insurance needs.