Bill Quickel's - Insurance Plus Agencies Inc. Blog |
 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
52 Comments
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. 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. 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. 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. 8/28/2020 01:35:47 am
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One can go through this blog and can know whether auto insurance cover the car or the driver in brief. You can also how can you claim travel insurance? To claim you travel insurance you should have some documents listed here: claim form, policy document, identification, trip tickets, cancellation, airport correspondence, FIR, loss of passport, hospital bill, and dischage card. 9/8/2021 12:20:31 pm
It really helped when you talked about car insurance and how it could come with different coverages. Recently, my wife and I decided to buy a car, and we definitely want to get it insured. We want to be sure we'd be protected in case of an accident, so we'll be sure to read your advice carefully. Thanks for the information on auto insurance and how you should get more than one plan. 9/16/2021 12:08:53 am
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.). 11/16/2021 09:54:39 am
Thank you for sharing this post, I found a lot of very valuable information in this article! 1/6/2022 05:47:54 am
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. 2/1/2022 09:59:21 pm
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meaning if you make a mistake on the road, your car insurance will apply to the cost of the damages. 4/4/2022 11:26:07 am
thanks for all of the information on insurance. i had no idea about all of this before, appreciate it!! 4/4/2022 11:30:09 am
this post was very informative, and it was a great read. i learned so much about insurance 4/4/2022 11:33:16 am
it is so important to understand the exact details of your insurance's policy so you aren't hit with any unpleasant surprises down the line. 4/7/2022 04:19:20 pm
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I've saved it for future reference and consultation. Thank you so much for sharing! :) 5/24/2022 07:29:32 am
Some sources will tell you that the insurance follows the driver, and this is true if you have a liability policy. 6/3/2022 06:13:10 am
Car insurance is something that should be discussed with a professional to hash out the details of the policy. A lot of times if there are a number of years with no accidents, the policy holder can get additional discounts and privileges. 6/3/2022 06:19:55 am
If the person also has personal liability insurance, the fine print should be combed through to see if their person is covered in the event of an auto accident in the case of car rentals, for example. 6/3/2022 08:28:10 am
Would like also to know about this information, glad to check this here. 6/8/2022 07:12:05 am
I want to make sure that I get the right insurance policy for my car. It makes sense that I would want to get a professional to help me out with this. That seems like a good way to ensure that I get everything put together properly.
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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. 8/10/2022 09:25:12 am
So generally speaking, the policy insures the car and you as the driver of that car.
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Liability only will usually cover a one-off rental car or the borrowing of a friend's car.
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