When it comes to your car insurance there are coverages that can follow you as the driver or your vehicle.

Does insurance follow the driver or car. There are coverages that follow the car and coverages that follow the driver. There are some cases when certain types of coverage do follow the driver too. If someone other than the auto owner or the form named on the policy.

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. Auto insurance is a set of coverages that protect you and your car in different situations that can potentially occur when driving.

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. If someone other than the cars owner or the person named on the policy borrows the car and is involved in a collision in most cases insurance will pay for damages Of course only if the car is being driven legally. It will be your insurance and not the borrowers which will make the claim and might have to pay for any damages to the car itself.

Learn More About Car Insurance. One example involves when renting a car. The province requires certain statutory insurance coverage for any vehicle.

The owner of the car is liable for damages and a possible increase in premiums as a result of the accident and claim. The variables that determine if coverage will follow the driver. 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.

Because of this car owners need to be wary of who they lend their car to. When a driver borrows a car and causes an accident the car owners auto insurance is the primary insurance. These coverages follow the driver There are a few situations when car insurance follows the driver instead of the car.