What does permissive use mean, and how does it work in car insurance?
When it comes to , refers to the ability of other drivers - unlisted on your - to drive your . allows infrequent use of a - fewer than 12 times per year - by a (a ) who does not live at the same address as the policyholder. For example, a family friend or neighbor would qualify under , but an immediate family member who lives with you would not.
Commonly asked questions
can get complicated. Let's explore some frequently asked questions on who exactly is allowed to drive a car while staying within the boundaries of your .
is a fairly standard feature of most policies written by large . If you are insured by a smaller or non-standard , double-check to confirm your policy's standards.
Another scenario in which may not apply is a named policy. A named policy is a relatively rare policy type that covers only those drivers explicitly listed on the policy. Again, if you aren't sure about your specific , then connect with an agent to clarify.
If someone not listed on your is involved in a while driving your car, all your should transfer over to cover the costs. Your , , and even comprehensive and collision should apply in the event of a claim. We say should because some smaller non-standard may only transfer your and in this situation.
Check your policy details and for specifics.
The general rule of is a can use your car up to 12 times per year. Each time a enters and leaves the car counts as a separate "trip" under regulations. If you're going to be taking a road trip or they will be using your for a few weeks, consider adding them to your . This will increase your premium temporarily, but you can always remove them later.
Speak to an agent at your for details about your individual .
All limitations and rules that normally apply to your will apply in a case. For example, if you let another person borrow your to drive for Lyft and you don't have a rideshare endorsement, you could be penalized.
is usually an all-or-nothing policy feature. The price is built into the premium you pay for your .
Learn more about how much usually costs
Most of the big - Allstate, AAA, GEICO, and USAA - allow for , but you should always confirm your policy details. If you have a named policy with any of those companies, you will not have . You should contact your insurer to verify you have prior to letting a friend borrow your car. As much as you may want to help out a friend, it's important to make sure your is sufficient before someone else takes to the road in your . If you're shopping for a new insurance company, enter your zip code below to compare rates and connect with one of many auto insurance companies.
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