There are instances when car insurance follows the driver like when you rent a car.

Does auto insurance follow the car or the driver in california. Most people show financial responsibility by buying auto liability insurance. If you have a question or would like receive a proposal from The Murray Group call 518 456-6688 or visit. Typically an auto insurance policy follows the car.

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. Why are you on the hook even when you arent the one driving. California is an at-fault state for auto insurance.

Learn More About Car Insurance. Generally auto insurance will follow the vehicle rather than the driver but some coverage types follow the driver too. The insurance agent for the driver at fault either does not know the law or is trying to mislead you.

However I would exercise caution when considering filing claim. The liability uninsured motorist and med pay elements of the policy dont just cover your car but you personally. The answer to whether car insurance covers the driver or the car is not black and white because there are parts of your car insurance policy that do follow you when you are driving someone elses car.

The next time your mom asks to borrow your car while its hers is in the shop or the next time your best friend asks to borrow your truck to move or the next time your roommate wants to drive your car to work because she doesnt have her own car you may want to think twice. Although you can optionally purchase a rental companys insurance for the rental vehicle it may not be necessary. These policies pay for damage to your own car because of theft collision.

One example involves when renting a car. Generally car insurance follows the car. Moreover you should let your sister know that.