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
104 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
Much thanks for introducing this information aboutdoes accident protection cover the vehicle or the driver, it's known how to get supported however what are the subsequent stages in the wake of getting the endorsement 2/7/2022 07:49:45 am
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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8/18/2022 11:35:12 pm
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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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9/21/2022 06:29:20 pm
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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. 11/21/2022 07:10:27 am
This is really interesting. I always thought insurance would cover both but I guess that's not always the case. 12/11/2022 11:23:23 pm
The good news is, if you're in an accident while driving a borrowed vehicle, there's a chance the owner's car insurance may provide some coverage. 12/25/2022 05:15:59 am
I just recently got life insurance and I always make sure that if I got any doubts I will contact my financial advisor. 12/26/2022 01:30:38 am
This gives me more idea of how insurance works. Thanks. 12/26/2022 01:32:20 am
Huge help indeed to someone who is new to this insurance thing. 12/26/2022 01:35:12 am
The best part is that there's a possibility the owner's auto insurance may offer some coverage if you have an accident while operating a borrowed vehicle. 12/26/2022 01:36:45 am
Great article. Thanks for sharing your idea about car insurance. I like that you talked about having the insurance company cover the cost of damages when we make a mistake on the road. I will make sure that I will invest in that when I also get an RV for the family that we will use in summer. It will be helpful to also look for RV insurance estimates to find the one that we can afford while giving us protection effectively. 1/10/2023 01:50:45 am
Great Post. Your blog is very helpful and professional. I especially liked the way you structured the content in the post. Thank you for sharing this informative post. 1/24/2023 09:45:48 pm
Provides a clear and detailed explanation of the coverage provided by auto insurance and whether it is for the car or the driver. The information is presented in an easy-to-understand format and is useful for anyone looking to understand the basics of auto insurance. 1/25/2023 12:46:31 am
Thank you for noting that comprehensive and collision coverage typically follow the insured vehicle if you have them. My sister desires the car. I'll advise her to purchase comprehensive and collision coverage for her car insurance. 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. 1/31/2023 11:18:20 am
Great article on the important question of whether auto insurance covers the car or the driver! I found it helpful in understanding the nuances of auto insurance policies and how they protect drivers. I also appreciated the clarity you provided in explaining how different coverage options impact the scope of protection. For those in Nova Scotia looking for the best auto insurance coverage to meet their needs, I highly recommend checking out https://www.surex.com/Insurance/auto-car/nova-scotia. They have a team of knowledgeable and friendly insurance specialists who can guide you through the process and find the right coverage for you. Thanks for sharing this valuable information! 1/31/2023 10:07:37 pm
I think it's excellent that you've given this information about auto insurance policies on your blog. This is a great blog, and I look forward to reading future posts. All of these are excellent points! This page is fantastic; thank you for posting such useful information. 3/6/2023 04:46:31 am
The Insurance Plus blog post on "Does Auto Insurance Cover the Car or the Driver?" is very informative and answers a common question many people have about auto insurance. The author does a great job of explaining the different types of coverage and what they cover. The comments section is also useful, with readers sharing their own experiences and asking further questions. Overall, a well-written and helpful post. 3/9/2023 02:28:45 am
The answer is both, but it depends on the type of coverage you have. If you have liability insurance, it will cover the other driver if you are at fault in an accident. If you have collision insurance, it will cover the damage to your car if you are in an accident, regardless of who is at fault. If you have comprehensive insurance, it will cover damage to your car from anything other than an accident, such as theft, fire, or vandalism. So, in short, auto insurance covers both the car and the driver, but the extent of the coverage depends on the type of policy you have. 3/11/2023 03:52:36 am
It's great that you elaborated that the owner of the car is the only one capable of insurance planning. My cousin told me last night that he planned to have auto insurance that could provide the most suitable insurance rates for the protection coverage for his Toyota Land Cruiser. He asked if I had opinions on the best insurance option to consider. I appreciate this instructive insurance article. I'll tell him it will be much better if he consults a trusted auto insurance agency as they can provide details about the best plan. 3/21/2023 09:16:47 pm
The following is a useful summary of whether or not auto insurance covers the vehicle itself, or if it only covers the driver. You make it easy to understand the various covering options and how they function in practice. I value the warning about the perils of inadequate insurance. 4/12/2023 12:25:08 am
If you have comprehensive and collision insurance, this typically goes with the covered vehicle. If you have comprehensive insurance, lending out your automobile might be a good idea as you won't have to worry about what might happen to it while it's on the road. 4/20/2023 03:31:59 am
It was interesting to know that comprehensive and collision coverage typically follows the insured car. My friend wants to get his car insured. I should advise him to look for an auto insurance company with positive reviews from clients. 4/25/2023 04:54:50 pm
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This article does a good job of explaining the nuances of whether auto insurance covers the car or the driver. Liability coverage typically follows the driver, while comprehensive coverage usually follows the car. However, there are exceptions and stipulations that vary by policy. To avoid any surprises, it's best to review your policy and talk to an insurance expert. 5/8/2023 03:32:20 am
Thank you for sharing this informative article with us..Almost covered everything in a single article ..Good Job 7/13/2023 05:58:34 am
This article provides valuable insights into the coverage of car insurance, whether it follows the driver or the car itself. It clarifies that liability insurance typically covers the driver and any eligible vehicle they are driving, but it only applies to damages to other people's property, not the driver's own car or belongings. Exceptions may exist if the insured regularly borrows a car. Comprehensive and collision coverage, on the other hand, usually follows the insured car. It's essential to review policy details and consult with the insurance company for specific coverage information. Thank you for shedding light on this complex topic. 7/27/2023 06:37:08 am
The driver may be asked by an insurance provider to provide documentation to support their use of someone else's vehicle. 7/31/2023 12:55:09 am
Thank you for sharing this informative blog post about car insurance coverage! I'm curious about the stipulations attached to vehicles with comprehensive coverage, particularly regarding who is allowed to drive it. Can you provide some examples of the typical stipulations that insurance companies might have in such cases? 7/31/2023 06:03:55 am
8/9/2023 09:13:17 pm
Huge help indeed to someone who is new to this insurance thing. 8/23/2023 07:25:13 am
Thank you for discussing the confusion in detail, many people don’t know about it. Also how many kinds of auto insurance are there? 8/24/2023 07:21:34 pm
his coverage essentially covers you — meaning if you make a mistake on the road, your car insurance will apply to the cost of the damages. 9/1/2023 09:03:18 pm
I never realized that auto insurance is important until i have to use it.
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It is important to note that not all auto insurance policies offer all of these coverages. It is important to read your policy carefully to understand what coverage you have and what is not covered.
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10/2/2023 07:38:27 pm
Such a well-researched and informative piece. 10/13/2023 07:07:21 am
Thanks for sharing this article here. 10/18/2023 06:11:53 pm
It's amazing how confusing car insurance can be sometimes! 🚗💡 10/27/2023 10:25:07 pm
It is essential to keep in mind that not all vehicle insurance policies include each of these coverages as standard features. It is vital to study your policy thoroughly in order to gain a comprehensive understanding of the coverage you have and the exclusions that apply. 11/1/2023 12:46:44 am
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I've always found car insurance details a bit perplexing, but this breakdown makes it clearer. It seems essential to know whether your policy prioritizes the car or the driver. I'll definitely be reviewing my policy's fine print and possibly having a chat with my insurance agent to avoid any future surprises! Leave a Reply. |
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