Progressive Auto Insurance: Understanding Coverage For Other Drivers

Progressive auto insurance generally covers other drivers, but this can depend on the specific circumstances, the driver's insurance status, and the type of coverage. If you give permission for another licensed driver to use your vehicle, this is known as permissive use, and your insurance may cover damages and injuries resulting from an accident they cause, up to your coverage limits. However, if the driver is also insured, their policy may act as secondary coverage if the accident exceeds your limits. Collision and comprehensive coverage from Progressive follow the car, so you will need to file a claim with your own policy to get your vehicle repaired or replaced. It is important to note that your Progressive policy may offer reduced or no coverage for drivers not listed, especially if they are regular users of your vehicle or live in the same household.

Progressive auto insurance may cover other drivers if they have permission

Standard auto insurance policies typically cover drivers that you authorize to drive your vehicle. This is referred to as "permissive use" and may cover drivers that aren't listed on your car insurance policy. It's important to note that anyone who regularly drives your vehicle should be listed as a driver on your policy. Depending on your state requirements and your insurer, you may be required to list any drivers that live at your permanent residence, regardless of how often they drive your car. Even if they don't live with you, they should be added to your policy if they use your vehicle regularly.

If you lend your car to someone and they cause an accident, Progressive may cover some of the damages they're liable for. Whether the damages are covered depends on the accident, your coverage limits, the specific damages, and other factors. Progressive insurance will cover someone else driving your car in most cases, but it can depend on coverage types and limits. Your liability insurance, which pays for the other party's injuries and property damage after an at-fault accident, always follows the car.

If the person driving your car is insured, their policy may act as secondary coverage if they cause an accident that exceeds your coverage limits. Collision and comprehensive coverage from Progressive also follow the car, so you'll have to file a claim using your policy to get your own vehicle repaired or replaced if someone else gets into an accident while driving it. It's possible your Progressive car insurance offers less or no coverage for drivers not listed on your policy. A claim won't be covered if the person should have been listed. If someone is living in the same household as you or regularly borrows your car, they should be a listed driver on your Progressive policy.

The driver's insurance may also pay out if they have their own policy

Progressive auto insurance generally follows the car and not the driver. This means that if you give permission for another licensed driver to borrow your vehicle, your auto insurance may pay for the damages and injuries, up to your coverage limits. This is known as "permissive use". However, if the driver has their own insurance policy, their insurance could also pay out, depending on the specifics of their policy and the nature of the accident.

In the case of an accident, the driver's insurance company may be responsible for paying for the damages and injuries resulting from the incident. This is referred to as "non-permissive use" and occurs when the driver has borrowed the car without permission.

It is important to note that anyone who regularly drives your vehicle should be listed as a driver on your policy. This includes family members, roommates, spouses, and anyone living at the same address. By adding a driver to your insurance policy, they become an insured driver under your policy when driving your car. This increases the likelihood of your insurer covering the damage in the event of an accident, compared to an unlisted driver.

Additionally, Progressive offers various types of car insurance coverage, including liability coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection. These coverages can provide financial protection in the event of accidents, injuries, or property damage.

Collision and comprehensive coverage from Progressive follows the car

Progressive auto insurance generally follows the car and not the driver. This means that if you give permission to another licensed driver to borrow your vehicle, your auto insurance may pay for the damages and injuries if they are involved in an accident, up to your coverage limits. This is known as "permissive use".

It is important to note that your Progressive car insurance may offer less or no coverage for drivers who are not listed on your policy. If someone is living in the same household as you or regularly borrows your car, they should be listed as a driver on your policy. You can add a driver to your Progressive policy by logging into your account online or calling customer service.

Liability insurance always follows the car

Liability insurance follows the driver, not the car. It is the only type of insurance that is legally required in Texas. This insurance covers the costs associated with injuries, death, or property damage caused by the driver. It follows the driver no matter whose car they are operating, as long as it is an eligible vehicle. For example, if you crash your mother's car into someone else's vehicle, the damage to the other car is covered by liability insurance.

In general, auto insurance follows the car, not the driver. However, there are exceptions. If you lend your car to someone and they cause an accident, your auto insurance may pay for the damages and injuries, up to your coverage limit. This is known as "permissive use", which means you give someone permission to operate your vehicle, even if they are not listed on your car insurance policy. If the driver is also insured, their auto insurance could also pay out, depending on their policy and the details of the accident.

Standard auto insurance policies typically cover drivers that you authorize to drive your vehicle. This is referred to as "permissive use" and may cover drivers that aren't listed on your car insurance policy. However, anyone who regularly drives your vehicle should be listed as a driver on your policy. Depending on your state requirements and your insurer, you may be required to list any drivers that live at your permanent residence, regardless of how often they drive your car. Even if they don't live with you, they should be added to your policy if they use your vehicle regularly.

If you are specifically listed on the car owner's insurance policy, you will be covered when driving that car, even if it is not your own. If you are not on the owner's policy, applicable coverage will depend on consent. If the driver gave you consent to operate the vehicle, or there is a reasonable belief that you had permission to drive it, then you are probably covered. If you pay to drive the car, this generally constitutes assumed permission as well.

Progressive may offer less or no coverage for drivers not listed on the policy

Progressive auto insurance may offer less or no coverage for drivers not listed on the policy. This is because, while car insurance generally follows the car and not the driver, anyone who regularly drives the vehicle should be listed as a driver on the policy.

If a driver who is not listed on the policy borrows the car, this is known as "permissive use". In this case, Progressive may still cover some of the damages they're liable for, depending on the accident, coverage limits, specific damages, and other factors. However, if the unlisted driver is also insured, their auto insurance could also pay out, depending on their policy and the details of the accident.

It's important to note that, depending on the state requirements and the insurer, the policyholder may be required to list any drivers that live at their permanent residence, regardless of how often they drive the car. Even if they don't live with the policyholder, they should be added to the policy if they regularly drive the vehicle. A driver who lives in the same household and is not listed on the policy may be denied coverage if they borrow the vehicle and are involved in an accident.

To ensure proper coverage, it is recommended to add any regular drivers of the car to the insurance policy. This includes roommates, spouses, unmarried couples living together, teenage children, and friends who drive the car regularly. By adding these drivers to the policy, the likelihood of coverage for damages from accidents increases.

Frequently asked questions