Over the years, we have gotten this question many times. 

"If I drive my Grandma's car (or friends car), am I covered!?"

Insurance follows the car, so your grandmother’s policy should cover anyone who has her permission to drive the car.
Even if you had an insurance policy of your own, your grandmother’s policy would pay first if you crash her car.
If you hit someone while driving her car, her liability insurance would pay for the cost of any injuries to the other driver or repairs to their car. The costs of repairing your grandmother’s car would be paid by collision coverage, if she has it, or out of pocket if she doesn’t. You’ll be raking leaves until you’re 30 to pay her back.

So you don’t have to buy a policy of your own. That’s the good news.

The bad news is that if you routinely drive your grandmother’s car, you may need to be added to her policy as a listed driver – meaning her rate calculations would include you. Young drivers have many, many times more accidents than grandmas do, so it’s likely her rates would rise.

Your grandmother might try check out what the rate for her auto insurance would be with you as a listed driver and without.  Or she can simply call her current insurer and describe the situation.  Better to find out ahead of time rather than have a claim rejected.

We answer this question often and analyze rates both with an additional driver and without.  Can we assist you?  Please contact us at info@BentonWhite.com or feel free to call one of our team members at 615.377.1212.  We're here to help!