If I allow my boyfriend to drive my car, will my auto insurance cover him if he gets in to an accident?

The general rule is that auto insurance follows the car not the driver. If you have insurance coverage on your vehicle, it will normally cover any one you allow to drive your vehicle. You need to check with your insurance company though because some policies do not provide coverage for every driver that drives your car. For example, your policy might state that anyone under the age of 18 will not be covered.

One thing to remember is that you must give the driver permission to drive your car, so if one of your friends takes your car without you knowing and gets in to an accident, your insurance provider will probably not allow you to file a claim. If this happens, your friend’s insurance will have to cover the damages. Either way, make sure you don’t just loan out your car to everyone. If you file numerous claims, your auto insurance premium will continue to increase, so be careful.