Ask Trooper Steve: Does my insurance cover someone who borrows my car?

Trooper Steve answers viewer questions

ORLANDO, Fla. – News 6 traffic safety expert Trooper Steve Montiero answers viewer questions about the rules of the road every week, helping Central Florida residents become better drivers by being better educated.

Trooper Steve was asked, “My family is coming into town and I wanna let them borrow my car. Would my insurance cover them if something happens?”

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He said when an officer pulls over a vehicle, they ask for proof of insurance.

“What we are looking for is if the vehicle has current insurance that covers the vehicle. We are not looking for the names of who the insurance covers,” Trooper Steve said.

However, he said when it comes to protection for people in the vehicle, it’s up to the owner of the vehicle to get guidance from the insurance.

“But if he was to allow his family to borrow the car, I would offer this simple suggestion. Ensure that your vehicle paperwork is up-to-date and organized. Place those items in the glove box in an envelope where if the family needed to provide that insurance they would be able to do so,” he said.

If you have a traffic question for Trooper Steve, email him at

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About the Author:

Steven Montiero, better known as “Trooper Steve," joined the News 6 morning team as its Traffic Safety Expert in October 2017. A Central Florida native and decorated combat veteran, Montiero comes to the station following an eight-year assignment with the Florida Highway Patrol.