Does State Farm Cover Someone Else Driving Your Car

Comprehensive and collision coverage cover damage to your car. The answer isnt always straightforward. In many states your car insurance would be considered the primary insurance if someone else wrecks your vehicle according to the Insurance Information Institute III.

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However this isnt always the case.

Does state farm cover someone else driving your car. In all instances when someone else operates your car you should check with your agent prior to allowing others to drive it. DOC is a clause in your policy that allows you to drive someone elses car without being a named driver on their policy. Therefore it is essential that you review your insurance needs and coverages with your Farm Bureau agent.

Your Type of Auto Coverage. In the event the permissive driver causes damage that exceeds the policy limits of your vehicle their personal coverage can act as secondary coverage. So if you lend your car to your best friend your sister or even your second cousin your insurance is most often the insurance that will pay in the event of an accident.

There are exceptions though. Generally your vehicle auto insurance will cover a driver from any state as long as he or she has permission to operate the vehicle. State Policies and Laws.

Drivers can be covered under more than one policy even with different companies. Also keep in mind that the rules might change if you are permanently moving out of state. Though policies will vary the general rule is that anyone living in your house is typically covered when driving your car unless expressly excluded on the policy see Excluded Drivers below.

You drove under the influence - If you are driving under the influence in someone elses car their insurance wont cover damages you cause. Usually yes your car insurance coverage should extend to anyone else driving your car. Think of it this way.

Its important to understand that if such a clause isnt included you arent covered to drive other cars even if your insurance policy is fully comprehensive. Under Georgia Code 51-1-6 the person who causes a car accident is legally liable for all damages including injury costs and property damage. If the person who borrows your car causes damage or injury to another person or vehicle your insurance will still cover them but coverage for other drivers may be limited and theyll be on the hook for any damage that exceeds your coverage.