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In most cases, your car insurance does cover other drivers. It means that if someone else drives your car with your permission, your insurance can provide coverage if they’re involved in an accident.  

Most car insurance policies include coverage for occasional or permissive use by other drivers. If you lend your car to a friend or family member and they get into an accident, your insurance may provide coverage. 

Insurance policies often have exclusions for certain drivers. For example, someone who uses your car without your permission might not be covered. Also, if the driver has a history of accidents or isn’t licensed, your insurance might not cover them.

Does full coverage car insurance cover other drivers? 

Full coverage car insurance typically includes both liability insurance and comprehensive/collision coverage. Liability insurance helps cover damages to other vehicles or property in the event of an accident where you are at fault. On the other hand, comprehensive and collision coverage pay for damage to your car in a crash or from other causes like theft or vandalism. 

Full coverage car insurance typically covers the vehicle listed on the policy and the primary driver named on that policy. However, in some instances, it may also extend coverage to other drivers, but this can vary depending on the insurance policy and insurer. 

In some situations, full coverage car insurance covers other drivers who have permission to use the insured vehicle, such as family members living in the same household or friends borrowing the car with the owner’s permission.

Does car insurance cover the car or the driver? 

Car insurance generally follows the car, not the driver. If someone borrows your car and gets in an accident, your insurance company may be responsible for paying the claim. 

When you purchase auto insurance, you insure the car against various risks such as accidents, theft, or damage. Insurance coverage may cover certain drivers explicitly listed on the policy or covered under specific terms. Know more here.