Whether you drive your own vehicle or someone else’s (with their permission) vehicle, an auto insurance policy will cover you and other members of your family on the policy. Someone who is not on your policy but is driving your car with your permission is also covered by your policy.

Only personal driving is covered by personal auto insurance. If you use your car for business, such as making deliveries, it will not cover you. It also won’t cover you if you drive to work for ride-sharing services like Uber or Lyft. For vehicle owners who offer ride-sharing services, some auto insurers now offer additional insurance products at an additional cost.