What if an uninsured person drives my car and crashes it?

Generally, as long as the person is a licensed driver, doesn't have regular use of your car and you gave them permission to use it, your PEMCO coverage would apply. You'd be responsible for paying your deductible and any increase in premium as a result of an accident.

When people ask this question, they're usually prompted by an unusual request – like a co-worker asking to borrow their car to run a few errands at lunch. But most uninsured driver mishaps involve people much closer to home.

Our best worry-less advice:

Children. Add your child to your policy as soon as they're licensed. That's true even if they don't live full time in your household, but could use your car during visits. Ideally, notify us as soon as they get their instruction permit (as young as age 15). You won't pay any additional premium until they're licensed, but we'll have all their information on file and can quickly issue their proof-of-insurance ID to go with their new license as soon as you notify us.

Roommates, visiting relatives and helpers. Call your PEMCO agent or 1-800-GO-PEMCO to ask about any driving-age person living in your home who could have access to your car, including roommates or relatives staying for an extended visit. Depending on circumstances, you may want to list them on your policy. Ditto for anyone living outside your home (like a babysitter) who has regular use of your car to run errands for you.