Generally speaking most insurance policies will cover those that the car owner gives permission to drive the car, whether they are 25 years of age or not. There are some policies that specifically exclude drivers under 25 and thus the car owner would need to be aware of this fact when lending out their vehicle to friends and family.

Typically with a personal auto insurance policy if you loan your car out to a friend from time to time your car insurance coverages would extend to them while they operate your vehicle. Policies though do differ so before allowing a friend or other driver that is not listed on your policy to drive your car you should read through the terms of your policy and speak to your agent to clarify this issue.

There are exclusions in some policies that allow an insurer to only cover those listed on the policy or drivers of a certain age (i.e. over 21 or 25), etc so that is why it is important to read through your policy and see what exclusions if any you have with your policy. If you are unclear on who can driver your car and be totally covered by your coverages ask your agent who should be able to go through your policy with you.

For example the Texas Department of Insurance notes that some car insurance policies won’t cover other people, including family members, unless they are specifically named in the policy. The TX DOI also states though that in most cases, the vehicle owner´s insurance pays for losses, regardless of who was driving.

The guidelines and terms of many policies require that you include drivers from your household and frequent drivers of your car on your policy for them to be properly covered. So if you say have a licensed child that is 26 and lives in your household than your insurance company would normally require that child to be listed on your policy. Or if you had a friend that was going to borrow your car frequently than your insurer may require you to include them on the policy as an occasional driver. Other drivers such as relatives that comes into town once a year and borrow your car for one or two days would usually be covered by your policy and not need to be listed as drivers.

Most all auto insurance Liability policies will cover a licensed driver who drives your vehicle with your permission. Some car insurance policies will however state specifically that no other person is covered when driving your car or have other exclusions. It is always best to check your policy and even speak with your agent before allowing anyone else to drive your car.

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