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Does your car insurance cover other drivers? The short answer is yes, your auto insurance likely extends to a licensed driver you’ve given permission to drive your car, but there’s more to it than that. Here’s what you need to know: 

State Laws

It’s important to note that determining liability when someone else drives your car can vary by state. In Oklahoma, the car owner’s insurance will provide physical damage coverage. This is because comprehensive and collision coverages are specifically linked to the car. 

Your Auto Coverage

If the person borrowing your car gets into an accident and is found at fault, your auto liability coverage may help pay for the other vehicle’s damage and the other driver’s medical bills. However, it’s crucial to understand that your policy’s liability coverage likely would not cover damages to your own vehicle or the medical bills for the driver of your car in this situation.

Remember, every situation is unique, and your auto policy may include specific restrictions and exclusions. It’s always best to review your policy with your OKFB Insurance agent to fully understand your coverage before letting someone borrow your vehicle.

Primary Coverage Limits

If an accident causes injuries or damages that exceed your auto insurance policy’s coverage limits, the borrowing driver’s auto policy could potentially be used as secondary coverage to help pay for costs beyond your insurance policy’s limits. Your OKFB Insurance agent can help you understand the auto limits on your policy so you know exactly how much coverage you have.

While your car insurance likely covers other drivers, it’s essential to understand the nuances of your policy. We’re here to help you navigate these complexities and ensure you have the right coverage for your needs. Don’t hesitate to reach out to your local agent with any questions or concerns about your auto insurance policy! 

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, commercial and life insurance needs.

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