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How are friends and family members who live outside of the household of the named insured covered on a policy if they are a driver or a passenger?

How are friends and family members who live outside of the household of the named insured covered on a policy if they are a driver or a passenger?

Coverage will depend on the specific policy language of the insurance contract and the relevant policies involved. Questions of this nature should be addressed with the insurance companies to determine how claims will be handled.