A better way to think of this topic is not so much in terms of which insurance policy applies but more in terms of an order of operations.

Does insurance follow vehicle or driver. When it comes to your car insurance there are coverages that can follow you as the driver or your vehicle. Generally auto insurance will follow the vehicle rather than the driver but some coverage types follow the driver too. There are some cases when certain types of coverage do follow the driver too.

Generally the answer to the question of does insurance follow the car or the driver in Michigan is that auto No-Fault insurance coverage will follow the driver but depending on the contract language of your policy it can also follow the vehicle. However in most cases car insurance tends to follow the car it covers rather than the driver. One example involves when renting a car.

Learn More About Car Insurance. If you let someone else drive your car and they get in an accident your insurance company would likely be responsible for paying. Nevertheless the question to the common question of whether the policy follows the car or the driver the answer is it follows both.

In North Carolina insurance policies follow the car So if someone borrowing a friends car causes an accident and hurts another you would first pursue the policy of the cars owner. Car insurance generally follows the car but insurance is never black and white. When does car insurance follow the driver.

The owner of the car is liable for damages and a possible increase in premiums as a result of the accident and claim. Depending on your policy your car insurance may extend coverage to rental cars. The variables that determine if coverage will follow the driver.

There are coverages that follow the car. When you rent a car. Standard auto insurance policies cover the car.