Who Can Drive Under My Car Insurance? 
I caution anybody to not just assume anybody can drive your car . Most polices have permissive use , but keep in mind , the owner of the car and his insurance company are responsible if there is a loss as insurance follows the vehicle . Also your limits may be reduced to state minimums meaning if the accident exceeds the coverage amounts , the owner , although they were not in the accident can be held liable since the owner loaned the car out . Another thing to consider , permissive use in most cases does not apply to household members who do not have their own car and insurance . All household members who have access to the vehicle are required to be listed or excluded . There has been a great abuse of this by people who do not want to list children or relatives to avoid potentially higher premiums which have resulted in severe consequences when a claim arises And yet another thing to consider is there are carriers who do not have permissive use on their policy at all . If the carrier is unaware of the individual who is operating the vehicle there is no coverage on the owners policy . Always talk to your agent about how your particular policy works and the potential ramifications of loaning out your vehicle . 