Sharing your car with family or friends might seem like no big deal, especially if it’s just for a short trip or an occasional errand. However, when it comes to auto insurance, who drives your car matters more than most people realize. At NY Twin Bridges Insurance Agency in Albany, NY, we often get questions from drivers wondering if they need to list every person who gets behind the wheel. The answer isn’t always simple, but it’s important to understand.

Why It Matters Who’s on Your Policy

When you add someone to your policy, your insurance company considers their driving history, which can affect your rates. More importantly, it ensures that the person is fully covered when driving your vehicle. If someone regularly uses your car and isn’t listed on your policy, it could create issues if there’s an accident. In some cases, a claim might even be denied depending on the terms of your coverage.

That doesn’t mean you need to list every single person who might borrow your car occasionally. Most policies provide coverage for occasional drivers, especially if they have permission. However, if someone lives in your household or drives your vehicle frequently, it’s usually best to add them officially.

Planning Ahead Can Prevent Problems

Auto insurance is designed to protect you from the unexpected. Being honest about who uses your car helps avoid complications later on. At NY Twin Bridges Insurance Agency in Albany, NY, we’re here to ensure your policy fits your real-life needs. If you’re unsure who should be listed or want to review your coverage, reach out to us today, and let’s make sure you’re driving with confidence.