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 the car or the driver. That basic insurance however issues to the car. When it comes to your car insurance there are coverages that can follow you as the driver or your vehicle. There are some cases when certain types of coverage do follow the driver too.

Some types of car insurance follow the driver. When you rent a car. Contrary to popular belief car insurance follows the car NOT the driver.

Thats why having the appropriate car insurance coverage is so important. Liability exposure will almost always include both. However there are instances where certain auto insurance coverages do follow the driver such as personal injury protection.

A basic auto insurance policy issued in Ontario lists both the car by VIN number and the policyholder by name. Some of these protections are designed to follow the vehicle. The province requires certain statutory insurance coverage for any vehicle using public roads.

That means if you get into an accident your car insurance liability coverage will cover you in the same way it would if you were driving your own car. By adding complementary policies you can guarantee you the driver and the vehicle will be protected in the event of an accident. These coverages follow the driver There are a few situations when car insurance follows the driver instead of the car.

In general auto insurance follows the car instead of the driver but the specifics of a claim can differ since. 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. You and your passengers are covered if you are injured in your cars.