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Can other people drive my car and still be covered?
Generally, anyone who has permission to drive your vehicle is covered. All people who regularly use your car should be listed on your policy. You should check with your insurance company for specific details.

Why should I list all household members even when they don't drive my car?
All family residents of your household of driving age must be listed to protect both you and your insurance carrier. Exclusions are available in some states for family members who do not require coverage.

Who is considered to be a "Family Member?"
Typically, family members include any immediate or extended family member of driving age. This Includes parents, children, siblings, grandparents, aunts, uncles, cousins, foster children, in-laws & step family members. There may be some variations in this list among different carriers.

Which household members do not require coverage?

Household residents that do not need to be listed include:

• Non-family household residents who do not drive the vehicle.
• Immediate dormitory roommates who are non-family and do not drive the vehicle
• Additional residents of a military barracks need not be listed as drivers.
  

• "At Fault," where you were negligent.
  "Not at Fault," where the other party was negligent.
• Reported and unreported collisions where you were involved as a driver.
• "Not at Fault" occurrences where your parked vehicle was damaged in a collision.
  

What is a "Deductible?"
A deductible is the amount of each claim you agree to pay on collision or comprehensive coverage. Your insurer will pay the difference between the claim amount and the deductible. For example, if your claim is $2000 and your deductible is $500, your insurer will pay $1500 and you will pay $500.