Does Auto Insurance Cover The Car Or The Driver

Does my auto insurance cover any driver.

Does auto insurance cover the car or the driver. In your car insurance policy your car is covered by the comprehensive and collision coverage and you are covered through your liability and any medical coverage. Liability only will usually cover a one off rental car or the borrowing of a friend s 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. In the simplest of terms car insurance such as comprehensive and collision coverage is in place in the event that a vehicle is damaged.

Even if you ve had car insurance for years figuring out when you are and aren t covered by your auto insurance can still be a tricky business. In general auto insurance follows the car instead of the driver but the specifics of a claim can differ since insurance laws and coverage vary depending on the policy coverage and state being. The liability uninsured motorist and med pay elements of the policy don t just cover your car but you personally. An insurance company may require the driver to prove the reason why they were using someone else s car e g their car.

But generally auto insurance follows the car. Individual policies vary from company to company and person to person. This is an insurance that assures that the driver will have liability coverage which will then cover costs if the damages exceed the limits of the owner s insurance. However if the insurance company finds out that the insured was borrowing the car on a regular basis then this may not be covered.

Most auto insurance polices will cover any legal driver that gets behind the wheel of your car. 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. The answer to whether car insurance covers the driver or the car is not black and white because there are parts of your car insurance policy that do follow you when you are driving someone else s car. Does my car insurance cover other drivers.

One common question that tends to come up is whether your auto insurance covers you the driver no matter what vehicle you re driving or whether it sticks with the car or cars listed on the policy even when someone else is driving them. However it is best not to assume this is the case. Some types of auto insurance follow the driver. It does have its limits as it.

1 but when insurers look at the person behind your wheel and the other car involved in the collision things become less. So if your friend borrows your car and they get into an accident your car insurance extends to your friend.