If I let someone borrow my car, does my auto insurance cover that person?

The most simple and direct answer is yes, with a couple of caveats. The first consideration is whether the borrower has permission to use the auto insurance policyholder’s vehicle. The auto insurance policyholder needs to know that any damage caused by the borrow of the vehicle will be paid by the owner’s auto insurance. In all cases, it is advisable for the policyholder to call his auto insurance company first before lending the vehicle. It would also be wise for the borrow to make sure that the vehicle owner’s does have auto insurance and that the borrow is indeed covered since in most states it is illegal to drive without auto insurance coverage. Some companies offer short-term borrowers auto insurance, a safe alternative for the borrower and owner.