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.
The Bottom Line Despite the fact that other kinds of insurance, like health and home insurance, may appear to be more important, having insurance if you own a car can save you a lot of money and hassle in the long run, regardless of whether your state requires auto insurance. To get the coverage you need at a price you can afford, keep in mind to shop around for the best car insurance rates.
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