Who is Covered by My Car Insurance?

Find out who is protected by your car insurance.Who is Covered by My Car Insurance?

While many car owners are generous with their vehicles, you should understand the coverage limitations of your auto insurance before you lend your car out freely.  Here is who your auto insurance covers and how far your coverage extends.

Immediate Family

Normally, your immediate family members who live under the same roof as you are covered under your auto insurance.  This means that your spouse, children, and siblings are all safe to use your car, so long as they are doing so with a valid driver’s license.

Extended Family and Friends

Your extended family members and friends are typically covered by your insurance due to the rule of permissive use.  Essentially, permissive use states that any driver is covered under your policy, so long as they have your express permission to use your vehicle.  However, you should be aware that drivers protected under permissive use have lower liability limits than drivers that are explicitly listed on your policy.  Additionally, permissive use only applies to drivers who use your car for short, infrequent periods of time.  If a family member or friend is intending to use your car more regularly, you should add their name to your policy to ensure that they have proper coverage.


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

These are the people who are covered under your car insurance.  Do you still have questions regarding your auto insurance coverage?  If so, don’t hesitate to contact us at Miller Carlisle Insurance Services.  Our knowledgeable professionals are ready to assist you with all your coverage needs today.