If A Car Has Insurance Can Anyone Drive It? 
Tend to disagree with my colleague here . If you give permissive use to another person who you believe to be a licensed operator then your liability insurance -LRB- bodily injury , property damage -RRB- will respond . The ability to allow permissive use is a powerful extension of your policy . You should know that the other party does have a valid drivers license -LRB- ask them and take a look at their drivers license -RRB- and be careful about when and where you hand over the keys . If someone is out drinking with you and you hand off the keys you also may be creating a negligent entrustment . Also keep in mind , that an auto policy affords you defense costs . So while the circumstance of any permissive use may mean the involvement of your policy , the adverse party will likely file suit against everyone involved including you . A bit of a warning to all this : some companies do sell limited liability policies in which permissive use is restrained . Ask your agent and do n't buy a policy like that . You would be giving up an important coverage that may be necessary in an emergency situation . 