If you let someone drive your car and they crash are they covered?

Answer 1

yes they are covered IF you had coverage, your insurance should pay up to your limits. If claims exceed your coverage, any auto insurance policy the driver might have would pay. If the damage exceeds your combined limits, you could both be sued for any remaining amounts.

Answer 2

It really just depends on the type of insurance policy you purchased. Standard or limited lines policies differ significantly.

Standard policies tend to cover any permissive use driver as defined in the policy under the section "Covered Drivers".

Limited policies, also known as operator or named driver policies, although economical if price was an issue at the time of purchase, will not cover any person who is not named on the policy.

It would be best to simply to contact your insurance agent and ask about coverage advice for the accident. If you purchased your policy direct, meaning you have no agent to advocate for you, then you will have to rely on the advice whomever answers the 800 number when you call.