Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Sep 19, 2020

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Key takeaways...

  • Most car insurance policies cover these temporary uses under whats known as Permissive Use Coverage
  • Review your car insurance policy before you let someone borrow your car just to be safe
  • If you have little knowledge of car insurance you may also want to choose an agent who can and will explain the details in layman terms

At one time or another, most of us will let a friend use our vehicle. Whether it is running to the store to get some last minute items for the BBQ or a quick test drive of your new sports car it is almost impossible not to let someone use your vehicle during the life of ownership.

Most car insurance policies cover these temporary uses under whats known as Permissive Use Coverage. This provides coverage for anytime you lend your vehicle to other individuals and they become involved in an accident.

Permissive auto coverage is usually part of standard car insurance policies, however, there are many exclusions so before handing your keys to anyone for the first time always contact your car insurance company to confirm you/they will be covered.

Be sure to enter your ZIP code into the FREE quote tool to find great auto insurance rates now!

Car Insurance: Never Assume Anything


Auto insurance is a big business and one where a lot of drivers really have no idea about the coverage they have.

Many consumers believe they will be automatically covered with some kind of blanket protection no matter how much damage is caused but this is far from the truth.

Even handing out keys to a best friend can often expose you to personal liability so before operating a vehicle you must always take the time to understand car insurance.

Learn about car insurance. You can learn a lot in just a couple hours and save money for life at the same time.

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How do I find a car insurance agent?

Car insurance premiums and reputation are two of the big reasons why people switch or choose an auto insurance company but if you have little knowledge of car insurance you may also want to choose an agent who can and will explain the details in layman terms.

There should never be any pressure to buy car insurance and if you require an explanation of every single line item then you have a right to get it.

This can be tough for many agents as they really are just salesman at the end of the day but always remember it’s your money so if you can’t get the explanation you need before you buy coverage then look for another agent.

If you’re wondering can someone with third party cover drive a hired car, this is something else an agent can assist you with.

Ready to get FREE car insurance quotes? Enter your ZIP code now!