Only a few reasons could stop coverage from extending when the girlfriend drives. Even then, the insurance company would be bound to pay the state minimum coverage on the policy:

1. Does she use the car regularly? If so, she needs to be listed as a driver on the policy first.

2. Did she use the car for business? Personal Auto policies do not cover business use.

3. Is she keeping the car with her for long periods of time (days or weeks)? If so, she is a regular user and must first be a listed driver before she will be covered driving the car.

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