If the insured's spouse is listed as an occasional driver and scratches the car, is it covered?

The situation described revolves around coverage for damage caused by an occasional driver, specifically the insured's spouse. In most auto insurance policies, if an individual is listed as an occasional driver on the policy, they are typically covered for damages that occur while operating the vehicle.

Therefore, in this case, because the insured's spouse is included in the policy as an occasional driver, any damage they cause to the vehicle, such as scratching it, would generally be covered. This ensures that the insured party is protected from the financial implications of accidents caused by authorized drivers, reinforcing the inclusive nature of auto insurance coverage for all listed drivers.

This provision is designed to grant peace of mind to policyholders, knowing that their coverage extends to family members and those they permit to drive their vehicles, as long as those drivers are noted in the policy documentation. This makes it essential for policyholders to ensure that all regular and occasional drivers are correctly listed in their insurance policies to avoid any issues in case of an incident.