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A common question involving car insurance is this: does car insurance follow the driver or the car? Read on to learn all of the nitty gritty details for this car insurance FAQ and then also make sure that you enter in your ZIP code above to get your FREE car insurance comparison today!

Car Insurance Follows the Car

First and foremost, your policy covers your cars. Your cars are covered when you get in an accident. You and your passengers are covered if you are injured in your cars. Others are covered if injured by your cars. Comprehensive and collision insurance covers your car only. Contact your car insurance and make sure that your insurance follows the car.

Car Insurance Can Follow the Driver

The answer to whether car insurance covers the driver or the car is not black and white because there are parts of your car insurance policy do follow you when you are driving someone else’s car. The liability, uninsured motorist and Med Pay elements of the policy don’t just cover your car, but you personally.

Family Members

When it comes to other members of your family driving the cars you own, it is wise to make sure they are listed on your policy so that full coverage is guaranteed.

You want to make sure that your auto insurance follows the car.

While it is your driving record that will have the biggest impact on your premiums, insurance companies also take into account the history and influencing factors of the other drivers in your household.

While having a teenage driver on your policy will likely lead to higher premiums, it is imperative that they be listed if they will be driving your cars. Not to list your teenager as a driver on your policy might mean he or she will not be covered in the event of an accident. The implications of driving uninsured can be disastrous for your whole family.

Permissive Drivers

When your car is driven by someone who is not a member of your family, and therefore is not listed on your policy, he or she is still usually covered by your car insurance policy on account of the aforementioned fact that car insurance generally follows the car instead of the driver. The term for the non-family member operating your vehicle is “permissive driver.”

Because you gave permission for this person to drive the car, he is covered primarily by your insurance. His insurance may come into play secondarily if damages exceed your own coverage.

If damages exceed your coverage and the driver does NOT have his own insurance, you can be sued for the remainder. You are also at risk for increased insurance premiums. These are just a few of the reasons why it is important to be careful when lending out your car.

Allowing an uninsured driver behind the vehicle of your car could be a very dangerous move on your part.

Non Permitted Drivers

If you do not give permission for someone to drive your car, damages caused in an accident by that driver are not covered by your policy. An example would be a thief who steals your car and then gets into an accident. But while damages to other cars or property are not covered, you will likely have to use your collision coverage to repair your own car.

The same holds true if someone you know drives the car without your permission, though it may be harder to prove that they were not allowed to drive your car. One factor that may work in your favor if your car is used without permission by someone you know, as opposed to being stolen by a stranger, is that you are more likely to be able to recoup damages to the vehicle from that person’s insurance. If that person does not have insurance, however, you are out of luck. Your only consolation may come from the ticket the driver receives for any wrong doing, since the police will charge the driver, not the car.

Exclusions

Make sure you are familiar with any exclusions to your car insurance policy. Many providers specify situations that will not qualify for coverage. Relevant examples may include exclusions on drivers over 75 years of age, business-related driving, and excessive number of passengers. By staying true to the specifics of your car insurance policy, you can minimize the risk every time you, a family member, or any other driver gets behind the wheel of your car.

Find the Best Car Insurance Policy for Driver and Car

Using an on-line quote comparison tool will allow you to find the best car insurance policy for you, your family, and the cars you drive. By detailing the history and experience of your household drivers, as well as the make, model and year of each car you own, you will be able to analyze personalized car insurance rates from many different providers. Compare auto insurance quotes today by entering your ZIP code below.