Tipton, KS | Downwardspiral - 8/17/2026 19:40
The insurance goes with the vehicle, not the driver.
Best to check with your state law(s), and insurance policy.
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Does car insurance cover the car or driver?
While there are exceptions, car insurance generally follows the car and not the driver. Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle. If they're involved in an accident, your auto insurance may pay for the damages and injuries, up to your coverage limits. However, if the driver is also insured, their auto insurance could also pay out, depending on their policy and the details of the accident.
https://www.progressive.com/answers/does-insurance-follow-the-car-or...
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Little bumper accident
