![]() The most common types of auto insurance that transfer into an auto insurance policy are liability coverage, collision coverage, and medical payments or personal injury protection. But, if you also have an auto insurance policy on your vehicle, that policy can help as a secondary option if the first auto insurance policy’s limits are not enough to pay for everything. If you are driving someone else’s vehicle, that person’s insurance coverage will help first if you’re in a car accident and cause damage to someone else or their vehicle. Secured with SHA-256 Encryption Does auto insurance follow the car or the driver?Īuto insurance typically follows the vehicle first, but policies technically follow both the car and the driver. Therefore, you should familiarize yourself with your state’s laws concerning auto insurance coverage to ensure you aren’t surprised in the future. Remember, too, that laws for car insurance vary depending on where you live. Find out more about who is covered under your auto insurance. In this scenario, the at-fault party is responsible for paying for repairs to your vehicle. If someone is driving your car and is in an accident, but the accident is another driver’s fault, your insurance may not come into play. This coverage can help if the person is in an accident while driving your vehicle. Non-owner coverage is often cheaper than an auto policy on a specific vehicle. So, if you have a roommate or family member who lives in your home and drives your vehicle regularly, that person may not be covered if they’re in an accident.Īnyone who constantly drives your vehicle for any reason must either add themselves to your policy or purchase a non-owner car insurance option. ![]() Many insurance companies require people living in the home with you to be added to your auto insurance policy if they plan to drive your vehicle. Will my car insurance always cover another driver?ĭepending on your specific car insurance policy, you may find that not everyone is covered under your insurance if they are driving your vehicle. While your insurance covers other drivers in most cases, you should familiarize yourself with any exceptions to this rule. If the person driving your car sustained injuries in an accident, your PIP or MedPay coverage could help pay for medical bills like visits to the doctor or hospital stays. Medical payments (MedPay) or personal injury protection (PIP) coverage help with medical bills associated with an accident. Medical payments or personal injury protection.You will have to pay your deductible for collision coverage to kick in, but it could help you save hundreds or thousands of dollars. If you have collision coverage, this insurance will help to pay for damage caused to your vehicle during an accident. Because auto insurance typically covers the vehicle, your liability insurance should cover the person driving your vehicle. Your liability insurance covers damage you cause to other vehicles or property as well as injuries you cause to other individuals. If someone else is driving your car and gets into an accident, your insurance coverage could help in multiple ways: Read More: What Is Covered by Auto Insurance This is because car insurance typically follows the vehicle, which means anyone driving your car should have coverage under your auto insurance policy. In most instances, the car insurance you have on your vehicle will cover someone else driving your car. Does liability insurance cover any driver?ĭoes my car insurance cover other drivers?.Can I borrow someone else’s car without insurance?.Can I get in trouble if someone borrows my car and gets in an accident?.Car Insurance and Other Drivers: The Bottom Line.Does car insurance cover damage if someone steals your car?.Can the other driver’s car insurance become involved?.Can I borrow someone’s car without insurance?. ![]()
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