Do You Insure The Car Or The Person

So if you have an insurance policy already ask your insurance provider if you re covered to drive other people s cars. It will pay for damages to other people and other people s property that you re found at fault for causing. Car insurance companies want the car owner to be on the policy since they have a larger interest in the car.

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The right question to be asking is not whether insurance follows the car or the driver but whether or not other drivers will be covered by the insured s auto insurance.

Do you insure the car or the person. Auto insurance policies for a vehicle that is not registered in your name will apply to the vehicle and the driver. Med pay and bodily injury insurance are two other types of coverage that usually follow the person not the car. If you have auto insurance and you get into an accident while driving someone else s car your own plan may act as secondary coverage. Please note that you can t currently compare short term car insurance with compare the market.

If more than one person is listed on the car registration joint ownership car insurance is needed. It guarantees that the person who has a financial interest in the vehicle s continued existence also enjoys the benefits of its insurance policy however there are a few circumstances in which the owner of a vehicle may not wish to insure it in his or her name. Much like adding a new vehicle to your existing policy adding someone to your car insurance policy as a named driver involves contacting your auto insurance company and giving them some basic information about you your vehicle and the new driver you want to add to your policy. Wisdom is that if you have your own car insurance you need not buy the rental.

The three types of liability insurance are person which is the total your coverage will pay for a single person injured in an accident accident which is the total coverage for all people injured and. However you can purchase a policy for a car that is not registered in your name such as a car that belongs to your mother or teenage son if you can demonstrate insurable interest on the vehicle. Check you re not already insured some fully comprehensive policies allow you to drive cars you don t own. In most cases the owner of a vehicle will insure it in his or her name this is a practical and logical arrangement.

Generally the answer is no you can t insure a car that is not registered to you. Unfortunately there is no bright line answer to the question and it depends greatly on the language of the policies involved the jurisdiction you are concerned with and the specific facts involved. Adding a new driver to your existing car insurance policy is usually a quick and easy process. For instance if your friend has an insurance plan with a 25 000 limit on liability coverage and you get in a crash that causes 35 000 of damage to the other driver your friend s plan would cover the first 25 000 and your own plan would cover the remaining.

Liability insurance is one type of coverage that follows the person not the car.