The best way to find out if they are allowed to drive your car is to call you insurance company or agent. You can also check your policies declarations page to see but the wording can be confusing to many people and it is much easier to get an answer straight from your carrier. Ask them to email you something in writing showing that your student is covered in the event of an accident while driving in your vehicle.
Many people have found out the hard way that their child was not covered on their policy when they had to file a claim because of a collision that occurred while the young person was driving. For many people this can spell financial ruin as they will be required to pay for any damages that are caused as a result of the accident. Not only will they have to pay to fix or replace their own vehicle but they will also be responsible for replacing or repairing the other parties vehicle as well as paying for any bodily injury to the other passengers. This can result in hundreds of thousands of dollars in damages and often leads to a lawsuit being filed by the other party.
It is quite obvious that it is very important to make sure your student is allowed to drive under you policy, but if you do not have coverage included for them you should consider purchasing car insurance that does allow this type of use. You can have peace of mind knowing that you have proper coverage when your kids come home for Christmas break and want to use your car or truck. You will be very glad that you did if you ever need to file a claim because of an accident caused by your child. Never assume that they will be covered, always check with your carrier of agent before you let them get behind the wheel.
If you do begin a search for coverage for your student, be aware that most companies charge higher premiums for this age group. Finding cheap car insurance for young drivers can be like trying to find an icicle in the California Desert, if you do not know where to look. By getting quotes from multiple carriers with 2autoinsurance.com you can quickly discover which insurers offer the lowest rates for your specific situation. You will come to find out that this type of coverage can be affordable especially with the programs that offer good student discounts.