Will my insurance cover someone not on my policy?
Christopher Harper
Published Jan 19, 2026
Most car insurance policies will cover drivers you’ve listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle.
What does liability coverage protect you from?
What is liability coverage? Liability coverage pays for property damage and/or injuries to another person caused by an accident in which you’re at fault. This coverage is required by most states to legally drive your vehicle. Liability coverage is broken down into 2 parts: property damage and bodily injury.
What kind of insurance does not cover property damage?
For example, if you cause damage to another person or their property intentionally, your liability insurance will not cover the damage. Be sure to check your policy carefully so you know the specifics on what is and is not covered after an accident.
How does property damage liability work for property damage insurance?
The property owner will file a claim with your insurance company for the amount of the damage, then get a check directly from the company. If the claim is for more than your insurance covers, you may be responsible for paying the rest. Does Property Damage Liability Cover Damage to my Own Car?
Do you need collision insurance for property damage?
Bodily injury liability covers per incident and per person. But for property damage liability, it’s per accident. If you cause an accident, property damage liability doesn’t cover your car or property. It only covers the other drivers’. You need collision insuranceto have your own car covered.
What are the numbers on a property damage insurance policy?
The first 2 numbers represent the bodily injury coverage amounts. The 3rd number represents property damage liability coverage. Property damage is not split into “per person” and “per accident” like bodily injury. It covers a maximum amount per accident . A basic liability insurance policy will include property damage liability.
