Wednesday, June 22, 2022

Does Car Insurance Follow The Driver

Don't Miss

Does My Car Insurance Cover Other Drivers Who Operate My Vehicle

Does auto insurance follow the car or the driver?

Your car insurance typically will cover other drivers operating your vehicle if theyre listed on the policy. This may include your spouse or significant other, your parents, your siblings or your children. It also may include other household members.

For others not listed on your policy like friends or extended family members the issue becomes murkier. Whether the policy provides coverage in these situations typically depends on consent. If other people drive your car with your permission , then typically they should be covered under the terms of your policy.Drivers who are not on your policy might also be covered in the following situations:

  • When extended family members visit you or stay with you at your home.
  • When sharing the driving responsibility on a road trip or a long drive.
  • When friends and family members borrow your car when theirs is being repaired.

There are a few scenarios in which certain drivers and activities will generally not be covered by your policy. These include:

Its All About You We Want To Help You Make The Right Coverage Choices

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships dont influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

  • Your car insurance will cover your car
  • Your car insurance can cover you in another vehicle
  • An exception to your car being covered when someone else is driving is the other driver not acquiring your permission
  • Another exception is a household member driving and not being listed on your policy

A common question involving car insurance is this: does car insurance follow the driver or the car?

Read on to learn all of the nitty gritty details for this frequently-asked question.

What Car Insurance Do I Need To Drive Legally In The Natural State

Arkansas state law requires all drivers to carry an auto insurance policy that will cover $25,000 in bodily injury per person, per accidentwhich means a policy that will pay $25,000 in medical bills per injured person, if the policy-holder causes the accident.

For destruction of property, state law requires $25,000 in liability damage coverage and other expenses caused during an at-fault collision.

Drivers should keep copies of their insurance information with them whenever they drive. If you are unable to produce proof of insurance, you could be fined anywhere from $50 $1,000. Other consequences include license suspension or jail time for habitual offenses.

Read Also: How To Obtain A Life Insurance License

Does Liability Insurance Follow The Car Or The Driver

If you are driving someone elses car or truck and you cause a crash that results in injury or death to someone else, then you will likely have liability coverage through your own auto insurance and through the policy that covers the car you are driving.

The terms of both your policy and the policy covering the vehicle you are driving will determine whether your insurance or the insurance on the car is primary. The primary insurer has the duty to pay first before the secondary insurers duty to pay is triggered.

To make sure that your legal rights are preserved, we advise drivers to file notices of claims with both their own insurers and the insurer for the vehicle they were driving.

When You Buy An Inexpensive Automobile Insurance Policy

Does Your Car Insurance Follow the Car or the Driver?

Cheap automobile insurance policies get that way by eliminating risk, Gusner says by not covering claims which may be handled under a more typical policy. Some examples of seeming for:

  • Named-driver-only plans will include only those listed on the program and not extend coverage to permissive users.
  • Step-down policies lower liability coverage to your states minimum requirements for permissive users, albeit you buy higher limits.
  • Double deductibles for collision statements when a non-named driver is at the auto.
  • Policy coverage wont reach a rental car.

You May Like: What Dental Insurance Do Military Dependents Have

Does Car Insurance Follow The Car Or The Driver

Its not an uncommon scenario: Your car is at the mechanics shop being repaired and your mother-in-law has offered her car to you until yours is road-ready again. Or youre home from college for a visit and want to meet some friends, but you left your car on campus. In any situation, should you borrow someone elses car or let someone borrow yours? Would you still be covered if you do? What happens if you or they are in an accident? As a driver, there are times when you may find yourself in a position of driving someone elses vehicle or lending your vehicle to someone temporarily. Regardless of the scenario, there are some things you need to know. Are you protected in case of an accident? Does your insurance follow the car or the driver?

Does Car Insurance Cover Hail Damage

Some car insurance policies will cover hail damage. Those with comprehensive auto policies are in luck. Comprehensive policies cover auto damage that doesnt result from a collision or accident. Comprehensive insurance covers damage from events like hail, floods, theft and vandalism.

Hail damage is something to worry about. In 2015, there were 5,412 major hailstorms in the U.S., according to the Rocky Mountain Insurance Information Association , a nonprofit insurance communications organization representing insurers in several western states. Of all 723,743 hail insurance claims in the U.S. from all carriers between 2013-2015, personal automobile hail claims were second in number, with the most claims coming from personal property homeowners.

Cars can sustain several types of hail damage. The severity depends on the hailstone size and the cars location during the hailstorm. Was the car out in the open? Partly covered in a carport? Hail can ding or dent up the car side panels, roof, trunk and hood. It can break windows and the windshield or even scratch the glass.

Hail damage can affect a cars resale value. Usually the panel damage isnt a functional problem but an aesthetic one. For smaller dents and dings, a body shop can sometimes pop out the dents without affecting the paint. For severe or extensive damage, they may recommend replacing car panels. The insurance company and repair shop can advise whats needed on a case-by-case basis.

Also Check: Research Director Jobs

Related Questions And Answers

Does my Auto Insurance Cover any Driver?

Most auto insurance polices will cover any legal driver that gets behind the wheel of your car. However it is best not to assume this is the case. Individual policies vary from company to company and person to person. Typically the crux of the issue is if the owner gives another person permission to drive their vehicle. In these instances, nearly every policy will cover another driver. Drivers without permission are almost never covered by insurance policies. Prior to making an important assumption, it is recommended you check with your insurance agent before allowing other drivers behind the wheel of your car.

Does Comprehensive Insurance Cover Other Drivers?

Most of the time, your comprehensive insurance will cover drivers that you allow to operate your vehicle. Your policy may vary, so you should check with your insurance provider prior to allowing anyone else to operate your vehicle. Family members are generally already included in your policy. No insurance will cover a driver that operates your car without the owner’s permission. Your terms and conditions may vary depending on your provider.

Does my Auto Insurance Cover Other Drivers in Another State?

Will my Insurance Cover an Accident with my Car if I Was not There?

Is a Driver Covered by their Insurance when Driving a New Car Home?

What are the Auto Insurance Minimum Requirements for California

Who Does My Car Insurance Policy Cover

Does Insurance follow the Driver or the Vehicle?

You may be covered for permissive use, which means you allowed someone else to use your car.

Your auto insurance policy will cover other people who drive your car when they’re listed on your policy. They may include your spouse, relatives, parents, children, siblings roommates or other people in your household. There’s also such a thing as permissive use, which means you allowed someone else to use your car so they are covered.

Your auto insurance policy will cover other people who drive your car when theyre listed on your policy.

There is some insurance that may follow you or your vehicle. Your insurance carrier will determine which situations they will extend coverage. They take into consideration the following factors:

  • The people listed on your insurance policy

  • Your people in your residence

  • Whether you have permission to use the vehicle

Don’t Miss: Licensed Insurance Agent Test

How Much Does It Cost To Add An Occasional Driver To Your Car Insurance Policy

The cost of adding an occasional driver is calculated in the same way as a regular insurance policy and depends on factors like their driving record and the type of car you own. Young, inexperienced, or male drivers generally pay the most for car insurance.

The cost of adding an occasional driver is usually less than the cost of them having a separate insurance policy. The occasional driver will also be able to start building their own insurance history. How many drivers you can add depends on your insurer but there is usually no limit.

Does My Insurance Cover Another Driver

Knowing what car insurance will cover and what it will not is especially important when it comes to friends driving your car. There is a wide variety of car insurance available to you, each with its own features. Before you let a friend borrow your car, you should know if your auto insurance coverage applies to them. Go through the definitions of the different types of coverage to get an idea of the protection they offer. Then call your insurance company. They will be able to give you a complete rundown of coverage features.

Liability CoverageLiability car insurance coverage follows a driver no matter what car they are driving. Most states require at least liability coverage and many states have assistance programs for low income residents who qualify. Liability coverage is what allows a driver to drive a friend’s car and still be covered under their own auto insurance policy. If you plan to allow your friends to drive your car, one of the questions you should ask is about what kind and level of insurance coverage they already own. Knowing the answer may prevent problems down the line should they be driving your car and an accident occurs.

Learn more about Car Insurance for Young Drivers > >

Other DriversThe question of allowing other drivers to drive your car and whether or not they will be covered by your existing auto insurance is an important one. Unfortunately, there is no blanket yes or no answer, since this is something that varies from policy to policy.

You May Like: How To Obtain A Life Insurance License

Does Car Insurance Follow A Person Or A Car

  • Auto /
  • Does Car Insurance Follow A Person Or A Car
  • Car insurance can be complex and confusing. Most people wonder what situations their car insurance covers? Does it cover the car or driver? Does it only cover you when you’re using your vehicle? Will it cover you in situations where you need to use someone else’s vehicle or a rental?

    What happens when you allow your child or a relative to get behind the wheel of your vehicle? Will your insurance coverage kick in during those situations? And will it cover them if they have an accident? And what if you have no health insurance and get hurt in an accident? What should a covered driver expect?

    Before you hand over the keys to your car, you should learn which situations your car insurance policy will cover in the event of an accident. You can also find out which circumstances your insurance will cover if someone borrows your vehicle.

    Let’s take a closer look at how auto insurance follows the car as well as occasionally the person. After you learn the in’s and out’s of coverage, make sure to compare car insurance rates for free by entering your zip code on this page. You may be overpaying for your current policy.

    Does My Car Insurance Cover Me When Driving Another Vehicle

    Does Auto Liability Insurance Follow The Car Or The Driver ...

    If youre specifically listed on the car owners insurance policy, youll be covered when driving that car even if its not your own. If youre not on the owners policy, applicable coverage will again depend on consent.

    Assuming the driver gave you consent to operate the vehicle or, at the very least, there is reasonable belief that you had permission to drive it, then youre probably covered. If you pay to drive the car , then this generally constitutes assumed permission as well.Here are some situations in which you would typically be covered under your auto policy:

    • Driving your parents vehicle with permission, assuming you are not listed as an excluded driver on their policy.
    • Borrowing a friends or family members car with permission while yours is being repaired.
    • Renting a car from a rental car company or the car-sharing marketplace.

    You May Like: 2-20 Insurance License

    Does Auto Insurance Follow The Car Or The Person

    Auto insurance is a set of coverages that protect you and your car in different situations that can potentially occur when driving. Some of these protections are designed to follow the vehicle whether you are driving or not. But there are a few times when your insurance can follow you when you drive a car unlisted in your policy.

    Does Uninsured And Underinsured Motorist Coverage Insurance Follow The Car Or The Driver

    If you are driving someone elses car or truck and you are injured in a crash caused by an at-fault driver who is either uninsured or underinsured, then you will likely recover UM or UIM benefits from you insurer and through your insurer for the vehicle you were driving .

    The terms of both your policy and the policy covering the vehicle you are driving will determine whether your UM/UIM coverage or the coverage on the car is primary. The primary insurer has the duty to pay first before the secondary insurers duty to pay is triggered.

    To make sure that your legal rights are preserved, we advise that you file a notice of claim with both your own UM/UIM insurer and the insurer for the vehicle you were driving.

    Also Check: Insurance Licensing Exam

    S To Take When An Accident Occurs

    Before loaning out your vehicle, its important to thoroughly understand the coverage provided by your insurance policy. If the person isnt covered by your policy, doesnt have his or her own insurance, is clearly intoxicated, or doesnt have a drivers license, dont let him or her borrow your car.

    Because Florida is a no-fault state when it comes to car accidents , drivers are required to carry auto insurance that pays personal injury protection benefits.

    Indiana Car Accident Insurance Facts

    Does insurance follow the driver in a North Carolina auto accident Brent Adams Associates

    As a rule of thumb, if someone else borrowed your car and ended up in an Indiana car accident, your insurance company will take over as long as they received oral permission from you to take your car. That being said, it must be shown in your insurance records that they were not excluded at the time of getting your insurance from coverage since this will make them responsible for the damage via their insurance.

    However, things become a bit complicated if your friend doesnt have insurance. In this case, you will have to handle the costs of damage to cars and other financial consequences arising from the accident. If they do have insurance and yours runs out due to rising costs of the accident, theirs will kick in as secondary insurance.

    You May Like: Foundation Repair Covered By Insurance

    When Does Car Insurance Not Follow The Car

    There are some exceptions to the rule that your car insurance follows your car, though. If you lend your car out to a driver without a license, or to someone who then drives it under the influence of drugs or alcohol, your insurance may not cover damage from an accident they cause. Other times when your car insurance doesnât follow your car include:

    Do You Need Insurance To Rent A Car

    As anyone who has stood at a car rental counter has experienced, its important to know whether you need insurance to rent a car. These arent questions to ponder at the last minute, with the rental car agent ready to add additional daily charges to the rental.

    Renters arent alone in their confusion. Some 42% pronounced themselves “thoroughly confused” about insurance coverage when renting a car, according to a survey cited by Lisa Burbank in USA Today.

    In general, a personal auto insurance policy does extend to rental cars with the same limits of liability. That includes liability for property and auto damage and collision coverage for rental car damage. The comprehensive portion of the policy takes care of the rental cars damage from non-driving damage, such as hail or theft. Of course, this all depends on the coverages the policyholder chose for the personal auto policy.

    What may not be covered by this insurance is the rental car companys loss of use and revenue it claims while the damaged car is being repaired, or a loss in that cars value. Some renters prefer to get the rental car coverage for this reason, as well as to avoid making any claims on their personal auto coverage. Especially when traveling abroad, renters should specifically ask their insurance agents about any available coverage.

    Don’t Miss: Is Trustage Life Insurance Any Good

    More articles

    Popular Articles