Does car insurance cover the car or the driver
Does automobile insurance follow the car or the person driving
Does car insurance cover the car or the driver?
Automobile Insurance myths: Does car insurance follow the car or the driver? When it comes to automobile insurances, there is a particular myth that a lot of people are confused about. If there should be an accident with any vehicle, then who will the insurance benefit? Will it be the car or will it be the driver? To put it concisely, is car insurance on the car or the driver? The answer to that one depends on a lot of variables.
Coverage on Liability
Coverage on liability insurance will follow that the driver must be held in favor no matter what. It does not matter who the vehicle belongs to. All that needs to be sufficed is that the vehicle must be eligible in nature. It is there to insure the insured in case the insured person happens to be operating a vehicle that belongs to someone else.
Comprehensive + Collision
So the above point pretty much answers the question of “Does car insurance follow the car or the driver?” right? Well no. There is another variable that needs to be considered. In fact, there is more than one variable. They go by the name of:
- Comprehensive coverage
- Collision coverage
When it comes to comprehensive and collision coverage for insurance, you need to know that they are tied along to the vehicle that has been insured. Any damage caused to the insured vehicle, be it through an accident or an act of vandalism will be paid out by this coverage. As you can clearly see, this one covers the car and not the driver. However, this also requires a lot of stipulations to be put, such as the person allowed driving the car and things like that. The automobile insurance follow the car or the person driving depends on the policy terms, consult well before make insurance policy.
There can be several cases other than the ones mentioned above. The above 2 scenarios are rather easy, to be honest. Things can get a lot more complicated. For instance, when the insured person allows another driver to drive his or her vehicle, there is no rigid solution to the problem. It depends entirely on the situation and the facts involved and as such, there are no perfect rules for judging them. That is why the question of “does car insurance cover other drivers?” is awkward and even bleak at times. Now you are clear does car insurance cover the car or the driver? Or does car insurance follow the car or the driver make decision before issuing insurance policy.
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