As we mentioned above car insurance typically follows the car but this is not always the case.

Does car insurance follow the vehicle or the driver. 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. A standard auto insurance policy follows the car not the driver. A basic auto insurance policy issued in Ontario lists both the car by VIN number and the policyholder by name.

When your car is driven by someone who is not a member of your family and is not listed on your policy he or she is still covered by your car insurance policy on account of the aforementioned fact that car insurance follows the car. Contrary to popular belief car insurance follows the car NOT the driver. The term for the non-family member operating your vehicle is permissive driver.

Car Insurance Can Follow the Driver We know car insurance typically follows the car not 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. Generally auto insurance will follow the vehicle rather than the driver but some coverage types follow the driver too.

So if you were to loan your truck to your friend so he or she could move on a Saturday and they caused a crash YOUR auto insurance would be the first to kick in not theirs. Of course individually if the auto. Liability exposure will almost always include both.

The province requires certain statutory insurance coverage for any vehicle using public roads. If that were the case if your friend borrowed your car their auto insurance policy would cover them in the event they were involved in a car accident in your vehicle. By adding complementary policies you can guarantee you the driver and the vehicle will be protected in the event of an accident.

Although car insurance primarily follows the vehicle some of the coverages listed above benefit the driver instead of the car itself. There are coverages that follow the car and coverages that follow the driver. Some of these protections are designed to follow the vehicle.