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Bill Quickel's - Insurance Plus Agencies Inc. Blog

Does Auto Insurance Cover the Car or the Driver?

11/13/2019

71 Comments

 
Picture
Whether car insurance covers the car or the driver is a common question when it comes to figuring out what you can file a claim for. If you borrow your friend's car, are you covered under your policy or theirs? If you're renting a car, do you need to buy additional coverage? The truth is that the answer to this question is not so cut and dry.
How It Works
Some sources will tell you that the insurance follows the driver, and this is true if you have a liability policy. With this type of coverage, you're covered as long as you're driving an eligible vehicle (e.g., don't try to file for a motorcycle or an ATV of it's not specified in your policy). This coverage essentially covers you — meaning if you make a mistake on the road, your car insurance will apply to the cost of the damages. Of course, this only covers other people's property. It doesn't cover your car or possessions that may have been inside.

Exceptions to the Rule
Liability only will usually cover a one-off rental car or the borrowing of a friend's car. However, if the insurance company finds out that the insured was borrowing the car on a regular basis, then this may not be covered. An insurance company may require the driver to prove the reason why they were using someone else's car (e.g., their car was in the repair shop, etc.). The specifics will be stated in your policy (probably buried on the last page in the fine print).

Comprehensive Coverage
If you have comprehensive and collision coverage, this usually follows the car that's insured. If you happen to have comprehensive, it may make sense to loan out your car without necessarily worrying about what will happen to it when it's out and about. However, there may be stipulations attached to the vehicle, such as who is allowed to drive it. An insurance company will work with people to some extent if there was an emergency or an odd situation, but they could also give you a hard time on the claim.

The best way to figure out your policy is usually to talk to an expert who understands the terms of your policy. If you know what to expect from your auto insurance, there will be no nasty surprises down the line.
Blog Post by: ITC
71 Comments
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1/22/2020 05:19:19 pm

My boyfriend and I just graduated from university and are looking to buy our first car together. We don't know much about how auto insurance works, so it's helpful to read that it can offer coverage that can protect you and potential damages to other's property if you're eligible to drive the insured vehicle. We will try to find a good auto insurance company to help protect us and our car.

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4/10/2020 10:39:06 am

My husband has been trying to help our oldest daughter get car insurance for her new car since she is independent and she lives in a different state, so he asked me to pull up a few articles that he could send to her. When he read that you wrote that you should talk to an expert to be able to figure out what kind of policy you have, he told me that I should help him search for an insurance agent in my daughter's locality. I am really grateful that we were able to learn so much from this article, and that it has helped us make the decision to start searching for a professional service that can answer all our questions.

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6/12/2020 09:19:28 am

Thanks for the tip to meet with someone who understands your auto insurance policy. They can help ensure that you don't get a policy that won't cover what you need. I need to get some car insurance for my son's new car, I'll talk to an agent and see what they can do for me.

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6/26/2020 04:48:33 am

Road Traffic Act Only Insurance differs from Third Party Only Insurance (detailed below) and is not often sold, unless to underpin, for example, a corporate body wishing to self-insure above the requirements of the Act. It provides the very minimum cover to satisfy the requirements of the Act.

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An insurance company may require the driver to prove the reason why they were using someone else's car (e.g., their car was in the repair shop, etc.).

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Some sources will tell you that the insurance follows the driver, and this is true if you have a liability policy.

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Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

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There is a lot of confusion surrounding auto insurance and whether it covers the car or the driver. The truth is, it depends on the policy. Some policies will cover the car itself, while others will only cover the driver. It's important to read the fine print of your policy to know what is and isn't covered. If you're not sure, you can always contact your insurance company for clarification.

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Your car insurance typically will cover other drivers operating your vehicle if they're listed on the policy.

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1/25/2023 12:46:31 am

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1/26/2023 03:54:43 am

It really helped when you said that the car is covered with the insurance policy when you get the comprehensive and collision option. I will keep that in mind to ensure that there will also be auto windshield insurance coverage for the vehicle that I am getting this year. It is my dream car so I definitely want every aspect of it, as well as myself and the passengers, to be protected to save me from huge expenses when accidents cannot be avoided.

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