Am I Covered On My Girlfriend's Auto Insurance Policy? 
Just want to add a bit of additional information , I do not believe is well covered in the answers so far . You are rightly concerned about your own use of the vehicle . But there is a broader issue as well . If both of you are listed on the policy as named insureds , you both can create permissive use on your own . So being a named insured is important to making sure you have a policy that will respond , but also recognize that you are then both entitled to create permissive use by others . What does that mean ? you could hand the keys to a friend or your live in partner could as well . So with any expansion of coverage there is additional responsibilities . If you or your partner let any one else use your car you should make sure you 1 -RRB- that person has a valid drivers license and 2 -RRB- know or certain the person you are allowing to use your vehicle is not impaired by alcohol , drugs or lack of sleep . These couple of check points will help keep you out of trouble for what is deemed to be negligent enturstment . I add one other disclaimer . I am not a licensed agent in your state , so this is just friendly advice that cost nothing and should be viewed as such . 