If someone other than the auto owner or the form named on the policy.

Does the insurance policy follow the car or driver. A standard car insurance plan supports the car not the driver. That basic insurance however issues to the car. If you have a named driver policy any driver you want to be covered to drive the vehicle needs to be added to the insurance policy.

Generally car insurance follows the car. Which would be used next. A standard auto insurance policy follows the car not the driver.

By adding complementary policies you can guarantee you the driver and the vehicle will be protected in the event of an accident. Often an occasional driver is a spouse or a child but it can also be a sibling or roommate. However there are instances where certain auto insurance coverages do follow the driver such as personal injury protection.

Which insurance policy is the first line of defense. So if your friend borrows a car and falls into an accident your car insurance extends to your friend. Nevertheless the question to the common question of whether the policy follows the car or the driver the answer is it follows both.

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. Does Insurance Follow The Car Or The Driver. 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.

The details of each claim differ as insurance laws and coverages hinge on the policy the coverage level and a number of other factors. In some states however the drivers you permit to use your car may have reduced coverage. That means if someone borrows your car and is at fault for an accident your policys liability coverage will cover them.