If you allow a licensed drive to borrow your car, then your vehicle IS NOT covered against damages.
BUSTED
Typically this is not true for personal auto policies unless the driver is specifically excluded on your policy. If your current policy includes comprehensive and collision coverage, that will provide protection against ANY DAMAGES to your vehicle.
Your auto policy is the primary insurer however, if your designated driver exceeds the limits of your policy, their insurance policy would become secondary for the remaining damages. Claims made could result in an increase in your auto insurance premium.
Uninsured/underinsured coverage should not considered important in Texas. If you reject the coverage, you may be penalized even if it is not an at-fault accident!
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