Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 22, 2022

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If your name is on the insurance policy and your age allows it, then you are covered.  If your name is not on the policy and you get into an accident with your parent’s car, the car is covered in most cases. This is because the insurance covers the car, not necessarily the driver. Again, it would depend on the specifics of the insurance policy.

In some policies, the policy holder is given a considerable discount as a safe driver but anyone who drives it must also have that same safe driver rating otherwise the insurance will not cover for any damages or injuries. If this is the case with your parents, then you are not covered unless you have the same 10 year road star rating.

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