Moreover you should let your sister know that.

Does insurance follow the car or the driver in california. The driver would be covered under your policy as a permissive user The drivers own policy if insured might provide excess coverage depending upon the language of hisher policy. But that doesnt necessarily mean that all people who get behind the wheel follow the rules or you probably wouldnt need car insurance in the first place. Insurance coverage follows the car so long as you the vehicle owner carried insurance coverage.

The medical coverages benefits are based on people not the insured vehicle so can move with you and your family if youre driving or riding in your own vehicle or someone elses. Car Insurance Follows the Car. You and your passengers are covered if you are injured in your cars.

In California and most other states drivers are required to purchase auto insuranceits the law. Collision insurance and comprehensive insurance cover the cost of car repairs or replacement of a policy holders vehicle. There are some cases when certain types of coverage do follow the driver too.

Others are covered if injured by your cars. If that policy does not provide enough coverage for all of the damage then the driver borrowing the vehicle would have to use their coverage for any additional damage. Does Insurance Follow the Car or the Driver If Another Driver Is Driving.

Recently there was quite an expensive crash involving an excluded driver who resided in the household where the car was rated. If you let someone borrow your car and they cause an accident in California bodily injury liability insurance pays for injuries to the other driver. Collision insurance pays for damage caused by a car accident involving another vehicle person or objectComprehensive insurance covers damage caused by something other than a collision.

The car is rated on a number of factors but primary information is the household connected to the automobile. These coverages follow the driver There are a few situations when car insurance follows the driver instead of the car. Collision and comprehensive coverage are often bundled as a package in California.