车损险允许驾驶员：谁可以驾驶您的车辆并受到保险保障？

中文段落：

车损险是车辆保险中的一项重要保障，它主要针对车辆因意外事故、自然灾害等原因造成的损失进行赔偿。然而，在购买车损险时，许多车主可能会困惑：车损险允许哪些人驾驶我的车辆，并在我发生事故时受到保险保障呢？

通常情况下，车损险允许的驾驶员主要包括以下几类人：

被保险人本人：作为车辆的所有者或主要使用者，被保险人自然是车损险的主要保障对象。

被保险人指定的驾驶员：除了被保险人本人外，被保险人还可以指定其他合格的驾驶员来驾驶车辆，这些驾驶员在驾驶过程中发生事故时，也可以享受车损险的保障。

具有合法驾驶资格的驾驶员：在某些情况下，即使驾驶员没有被保险人明确指定，但只要他们具备合法的驾驶资格，并且在驾驶过程中没有违反交通规则或酒驾等违法行为，他们也可以在一定程度上受到车损险的保障。

需要注意的是，车损险通常不包括无证驾驶、酒驾、违法驾驶等情况，这些情况下发生的损失可能无法获得保险赔偿。因此，车主在购买车损险时，除了选择合适的保障方案外，还应加强对驾驶员的安全教育和监督，确保驾驶安全，减少风险。

英文段落：

Vehicle damage insurance is an essential coverage in automotive insurance, primarily compensating for losses caused by accidents, natural disasters, and other reasons. However, when purchasing vehicle damage insurance, many car owners may have a question: Who is allowed to drive my vehicle and be covered by the insurance in case of an accident?

Typically, the following categories of drivers are allowed to drive under vehicle damage insurance:

The insured individual: As the owner or primary user of the vehicle, the insured individual is naturally the primary beneficiary of vehicle damage insurance.

Named drivers by the insured: In addition to the insured individual, the insured can also designate other qualified drivers to operate the vehicle. These drivers are also eligible for coverage under the vehicle damage insurance if an accident occurs while they are driving.

Drivers with valid driving qualifications: In certain circumstances, even if a driver is not explicitly named by the insured, they can still be partially covered by vehicle damage insurance if they possess valid driving qualifications and have not violated traffic rules or committed offenses such as drunk driving.

It's crucial to note that vehicle damage insurance typically excludes situations such as driving without a license, drunk driving, and illegal driving. Losses incurred in these situations may not be eligible for insurance compensation. Therefore, when purchasing vehicle damage insurance, car owners should not only select the appropriate coverage but also enhance safety education and supervision of drivers to ensure safe driving and minimize risks.