There are a few questions in life that are more confusing than their answers. The blanket query into whether or not insurance follows the car or the driver in a particular jurisdiction is such a question — one we see regularly. It is more like a MENSA brain teaser than a legitimate insurance question, and it is usually the wrong question to ask. The answer to whether insurance follows the car or driver depends on many variables, most notably the kind of insurance coverage being referred to. There are coverages that follow the car and coverages that follow the driver. 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 dealt with. Liability insurance coverage on a personal auto policy follows the driver no matter whose vehicle is being operated, provided it is an eligible vehicle.
As we have seen, this is usually not the right question to ask. If anyone who has your permission drives the carthat person is probably covered by virtue of the fact that the car is covered.
There are qualifications for the drivers covered. Other types of coverage such as collision or comprehensive insurance will usually follow the car. Insurance that follows the driver will usually be limited to some form of liability coverage.Will my Insurance Cover the Uninsured Person Driving My Car
Therefore, a very basic and often incorrect answer to the wrong question is that auto liability coverage generally follows the driver, while auto physical damage coverage generally follows the vehicle. However, more often than not, you will be asking the wrong question.
However, exceptions do exist. Thank you!
can someone else drive my car under my insurance be named on your policy, but a friend uses your car every Monday to do their shopping. What does my car insurance policy cover? So if you're driving a friend's car and get into an accident, you could be liable for any repair bills to. If you have a comprehensive car insurance policy, you may think you're covered to drive your friend's car for the day. But it's more complicated.
Someone Borrowed My Car and Got In an Accident car only to find out that they got into an accident while driving your When Your Friend Is At-Fault In that case, the driver's car insurance policy can pick up additional. We debunk the popular myth that car insurance follows the driver and offer some to cover the damages if your friend got into an accident while driving your car. Additionally, his coverage might have to step in if the limits of your policy Generally, you can file a claim with the at-fault party's insurance, skip paying the. Coverage might not follow anyone if the insured is driving a vehicle other than other drivers to drive his vehicle, then, and only then, does the question of . loaner, or a friend's car, he is usually covered for liability insurance.
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Here are more articles you may enjoy. Want to stay up to date? This will almost certainly not be enough to cover any costs after an accident.
When two similar insurance policies can cover the same situation, one policy may be considered the primary coverage. This means the policy will pay for everything up until its maximum limit, and then the secondary coverage may cover excess expenses.
Imagine you have a car and you pay for comprehensive and collision insurance, along with the minimum required liability insurance in your state. He has a car at home and his own auto insurance policy.
Your comprehensive and collision insurance covers the cost to repair your vehicle. One thing to note.
Does Automobile Insurance Follow the Car or the Driver?
Although your friend will hopefully offer to help out, you may be responsible for paying the deductible. The laws vary depending on where you live.
In fact, auto insurance rules are different in every state. Verbal permission is generally good enough. Insurance might not cover other drivers who regularly drive the vehicleas the insurance company might think the person should be listed on your policy.
Some policies will only cover people named as drivers in the policy.
Does insurance cover a friend driving my car
While others provide general coverage to occasional drivers. Generally, your auto insurance will follow you and cover your rental car.
Will my insurance policy still cover damage to my car if someone else If you give your friend permission to borrow your vehicle and she gets.
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Can my brother-in- law or other family member borrow my car for the weekend Will my friend's insurance cover any damages I cause while driving their vehicle. If you let someone else drive your car and they get in an accident, your So, if the friend is at fault for the accident, your auto liability coverage may help pay for . The often-asked question then comes up: Does car insurance follow the car or the driver? is driving someone else's car, such as a rental car, a friend's vehicle , or a He has a car at home and his own auto insurance policy.
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