You might find yourself in a position where you’re unable to drive your car. Maybe you’ve had too much to drink, your switching off with a friend on a road trip, or you hurt yourself. It’s bound to happen over time.
So are others covered if they drive your car?
Many companies offer what is called “permissive use” coverage. This type of coverage extends your insurance policy limits to others that drive your car.
Things to consider:
- Not every company offers permissive use coverage.
- Excluded drivers are definitely NOT covered under your policy.
- Some insurance carriers have a limit on permissive use. (Example: 15 days per year)
- Some insurance companies drop down policy limits to California state minimum (15/30/5) if someone else is driving your car.
Call your agent right now and find out if you’re covered or you may be without it when you need it the most. Would you like a quick 4 minute auto quote? Get in touch today and we’ll help you right away!