Can someone who's not on my car insurance policy drive my car if they have their own insurance policy

Sure, I can help you with that!

As long as you give permission to somebody to drive your vehicle, they will be allowed to drive your vehicle even if they are not listed on your insurance policy. There are exceptions to this rule, however. If somebody lives at your house full time or frequently drives your vehicle, they will need to be listed on your policy in order to drive.

Liability coverage is insurance that follows the driver when the insured drives someone else's vehicle, as long as it is an eligible vehicle. If someone has permission to drive your car and they get into a car accident, your insurance will act as the primary insurance policy for any damages that they caused. That means it will pay out first, and any other applicable policies, like the driver's own car insurance, will be considered excess or secondary insurance, paying for damages that exceed your policy limits.

It's important to note that policy terms and state laws can vary widely, so it's always best to contact your insurance agent before loaning out your car or other motor vehicle. Most policies include a permissive use clause, allowing occasional drivers to operate your vehicle with your explicit consent. Even if an unlisted driver uses your car, they can still drive covered.

If someone not on your insurance crashes your car, your insurance may still cover the damage, depending on your policy. It's important to consider the future outcomes of letting someone borrow your car. Some policies provide coverage for occasional drivers, while others may have restrictions. If the person driving your car was a permissive driver, their insurance acts as secondary coverage in case of an accident. That means that the other person's policy would cover damage when the amount of damage from an accident goes beyond your policy limits.

In summary, as long as you give permission to someone to drive your car, they will be allowed to drive it, even if they are not listed on your insurance policy. However, there are exceptions to this rule, and it's always best to contact your insurance agent before loaning out your car.