Car Insurance Cover Other Drivers

If the driver does not have their own car insurance coverage then your insurance will provide the coverage.

Car insurance cover other drivers. Your own policy provides the primary coverage not theirs. For example if you rear end another driver and she sustains injuries or her car is wrecked your liability insurance covers the damages. Usually a policy issues to a specific vehicle identified by its unique vehicle identification number or vin. Additionally two subcategories of car insurance.

The second deals with your car primarily through collision and comprehensive insurance. Whether that s fully comprehensive or third party fire theft. In some cases there will be a two tier process. For instance what if the accident caused extensive injuries or damage and the cost of the claim maxes out the limits the maximum amount your insurer will pay toward a covered claim on your policy.

This means that the insurance coverage will cover any driver. Car insurance follows the vehicle. When doesn t your car insurance cover other drivers. How to add a driver to your policy.

See below for more information. Permissive use means that if you give another driver permission to take your car they will be covered by your car s insurance coverage. 1 but when insurers look at the person behind your wheel and the other car involved in the collision things become less. This means that it covers the other driver in a car accident not you or your friend.

If the driver of your vehicle has their own auto insurance coverage then that insurance will be required to pay first. At least with the above options you re more likely to be driving the other car with a better level of cover. In general if the driver of the car is someone you explicitly excluded from your policy your insurance company can refuse to pay for any damages. Who is and who is not allowed to drive an insured vehicle can vary based on where you live and the company that insures you.

It s a reasonable question since motorists frequently drive other vehicles or lend their cars to other drivers. A common question newcomers to auto insurance have concerns how a car policy functions. In most states the insurance company will pay to cover repairs to your vehicle regardless of who is driving. Many motorists understandably ask themselves does my car insurance cover other drivers or does auto insurance cover the car or the person in most of the united states auto owners are required to carry minimum coverage in order to be able to legally drive so understanding auto insurance can make the difference between who you allow to drive your car and who you decide should stay in.

It s a common misconception that car insurance follows the driver. In your car insurance policy your car is covered by the comprehensive and collision coverage and you are covered through your liability and any medical coverage. If your insurance company will cover the other driver s accident in your car you may find that there are additional wrinkles. You could take out a temporary car insurance policy on the car you want need to drive this can be from as short as 1 day.

Does insurance cover the car or the driver.