Answer: To be properly covered for driving your husband’s vehicle, you should be added to his car insurance policy as a driver.
Most all car insurance companies require that all licensed household members, especially spouses, be listed on the policy as drivers.
Can someone drive my car if they are not on my insurance?
Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay.
Can you drive your spouse’s car?
“When you let your spouse borrow your car, or if they take it as a member of your household, your insurance company might still be on the hook, even if the driver isn’t on your policy,” said Espenschied. “You’ve got to ask to exclude your spouse from the policy and make it clear that they aren’t a permissive driver.”
Can my friend drive my car?
When an insured drives someone else’s vehicle, such as a rental car, a dealership loaner, or a friend’s car, he is usually covered for liability insurance. As long as a driver has the vehicle owner’s permission to operate the vehicle, the owner’s policy will provide coverage no matter who the driver is.