I Have Someone Who Helps Me Around The House and She Occasionally Drives My Car. Is That Ok?

Yes. In general, that is fine. You should probably notify your insurance company that your helper drives your car, but under most circumstances, she’ll be covered.

But remember, if the driver is using your car, it is your liability and responsibility in the event of an accident, since you have authorized them to use the car. Therefore, you need to be careful who you authorize to use the car and how they are supervised. When you are looking at a driver be sure to consider their age, driving experience and driving record, as that can affect your insurance costs. You have the right to ask the potential driver to provide their record, which they can get from the local Deptartment of Motor Vehicles. If they borrow the car, with or without your express consent, you can sometimes be held financially responsible for their accidents.