Who is covered by my auto insurance—and under what circumstances?
Your
auto policy will cover you and other family members on your policy, whether
driving your car or someone else’s car (with their permission). Your policy
also provides coverage if someone who is not on your policy is driving your car
with your consent.
Your
personal auto policy only covers personal driving, whether you’re commuting to
work, running errands or taking a trip. It will not provide coverage if you use
your car for commercial purposes—for instance, if you deliver pizzas.
Personal
auto insurance will also not provide coverage if you use your car to provide
transportation to others through a ride-sharing service such as Uber or Lyft.
Some auto insurers, however, are now offering supplemental insurance products
(at additional cost) that extend coverage for vehicle owners providing
ride-sharing services.
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