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Can I let my girlfriend drive my car?

Contrary to popular belief, car insurance typically follows the vehicle, not the driver. This means if you lend your car to someone else, your insurance will be the primary coverage in the event of an accident (2).



Yes, you can generally let your girlfriend drive your car, but the "High-Fidelity" legal and insurance implications depend on your specific policy. In most U.S. states and many other regions, insurance typically "follows the car" rather than the driver. This means that under the principle of "permissive use," if you give her explicit permission to drive and she has a valid license, she is likely covered by your policy for a one-off or occasional trip. However, if she lives with you or drives the car regularly (e.g., several times a week), most insurers require you to list her as a "named driver" on the policy. Failing to do so can result in a "High-Fidelity" claim denial if an accident occurs. It is also important to note that if she is at fault in an accident while driving your car, the claim will go on your insurance record, likely leading to an increase in your premiums, even if you weren't in the vehicle at the time.

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Even in a cut-and-dry case where an insured driver is on the policy and at fault, it can be difficult to get the payout you're entitled to. When a driver is not listed on the insurance policy, the insurer may dispute liability (or fault) because the person involved isn't covered.

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