Do most car insurance policies cover both operator and the main driver of the car?

5 Comments

1. bundysmom says:

   January 23, 2009 at 6:25 am

   As long as the drivers are listed on the policy there is coverage. It doesn’t matter who drives the car more often or less often. Only when someone is driving the car and not listed on the policy, or they are an excluded driver, is there a problem when a claim is filed.
2. Coastcowboy says:

   January 25, 2009 at 12:40 am

   Insurance (at least in the U.S.) follows the car and is covered by any licensed driver with permission from the owner unless they are specifically exculded on the policy.
3. John H says:

   January 26, 2009 at 8:07 pm

   Insurance is designed to cover the driver and the vehicle. However, the vehicle can be covered if another licensed driver has permission to drive the car as well. Each driver must list all drivers in the household who have a drivers license. I do think that it does matter who drives the car and how much. Auto insurance quotes always ask who is the primary driver and ask if other drivers will be driving the vehicle occasional or never. This question wouldn’t be on auto insurance quotes if it wasn’t important.
4. stormer_xxi says:

   January 27, 2009 at 1:26 am

   Okay it really depends on the insurance policy, but here is a general answer that is correct in most cases.

   Insurance, by state law, must cover any one you let drive your car. However, most insurance companies require you to pay for insurance for all the members of your household who drive the car. Thus, your insurance might not cover a member of your household who drives your car, if that person is not listed on the policy.
5. mbrcatz17 says:

   January 27, 2009 at 4:38 pm

   Yes, but differently. You LIST all the regular operators, which includes the “main driver”. There are EXTRA coverages available for the “named insured” – the policyholder, beyond the coverage that a listed operator has.

   Too boring and detailed to go into here.