Does Insurance Follow The Driver Or The Car?

When it comes to insurance, understanding who or what is covered can be confusing. In this article, we’ll discuss whether insurance follows the driver or the car. We’ll look at the different types of insurance and how they affect the driver and the car.

Liability Insurance

Liability insurance is the most common type of automobile insurance and is typically required by law. Liability insurance covers the cost of any damages caused to another vehicle or property in the event of an accident. Generally, liability insurance follows the driver, meaning that the driver’s liability insurance will cover any damages caused in an accident regardless of the car they are driving. The only exception to this is if the driver is operating a car they do not own and the owner of the car does not have liability insurance. In this case, the driver will be responsible for any damages caused in an accident.

Comprehensive and Collision Insurance

Comprehensive and collision insurance are optional types of insurance that cover the cost of any damages to the insured vehicle. These types of insurance follow the car, meaning that the car is covered regardless of who is driving. This is important to consider if you are allowing someone else to drive your car, as they may not have comprehensive or collision coverage on their own policy.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage is an optional type of insurance that covers the cost of any damages caused by a driver who does not have liability insurance. This type of insurance follows the driver, meaning that the driver’s policy will cover any damages caused by an uninsured or underinsured driver regardless of the car they are driving. It is important to note that this coverage does not cover any damages to the insured vehicle, only any damages caused to another vehicle or property.

Rental Car Insurance

Rental car insurance is an optional type of insurance that covers the cost of any damages caused to a rental car. Rental car insurance typically follows the driver, meaning that the driver’s policy will cover any damages caused to a rental car. It is important to note that this coverage does not cover any damages to the insured vehicle, only any damages caused to a rental car.

The Importance of Insurance

It is important to understand how insurance follows the driver or the car. It is also important to make sure you have the right type and amount of insurance to cover any potential damages caused in an accident. Having the right type and amount of insurance will help to protect you, your passengers, and your vehicle.

Additional Coverage

In addition to the types of insurance discussed above, there are other types of coverage that may be available. Be sure to talk to your insurance agent to determine if there is additional coverage that you should consider for your specific situation.

Conclusion

In conclusion, it is important to understand how insurance follows the driver or the car. Generally, liability insurance follows the driver, while comprehensive and collision insurance follows the car. Uninsured and underinsured motorist coverage also follows the driver, while rental car insurance typically follows the driver. Be sure to discuss your specific situation with your insurance agent to ensure that you have the proper coverage.