Car insurance always covers your car if the driver is included on your policy.

Does car insurance follow the car or the driver state farm. Your collision and comprehensive insurance is always the primary insurance of your vehicle when it comes to damage so it follows the car. Some insurance coverage types follow the car while others follow the driver. If your passengers dont have medical coverage of their own your MedPay or PIP coverages can extend and pay up to your limits if occupants of your vehicle are injured in an accident.

But the person driving your car has to be found legally at fault before your insurance will pay. Every car insurance policy has a policyholder the driver who purchased and is covered by the insurance. An array of variables are in play ranging from the type of insurance to the coverages following the vehicle to those that follow the driver and so on.

Typically even if the person driving your car has his or her own insurance your insurance will be the primary payer for damages caused by your vehicle. There are instances when car insurance follows the driver like when you rent a car. Thats why having the appropriate car insurance coverage is so important.

I borrowed my friends car and caused 1000 of damage. Do you understand just how much you need. Because car insurance follows the car anyone with permission to use your car is covered by your policy if they are at fault in an accident.

Policy changes including the addition or removal of a vehicle or driver and cancellation of coverage must be authorized by the policyholder. Generally car insurance follows the car. In some states however the drivers you permit to use your car may have reduced coverage.

There is no clear answer to this question. Collision If you car is an accident with another vehicle or object collision insurance pays for its repairs or replacement. That means if someone borrows your car and is at fault for an accident your policys liability coverage will cover them.