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If the car has full coverage and someone else is driving the vehicle will the insurance still cover both vehicles?

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A good rule of thumb about car insurance is that the insurance follows the car. So, if you own a car, have full coverage, and loan the vehicle to someone, and that person has an accident, your car insurance will step in to cover both your car's damages and any property damage. This might not be true, however, if the other person is a resident relative (ie, lives in your house) and has access to the vehicle all the time. In a case like that, you could have coverage issues because you didn't tell your carrier that someone else was regularly -- or might regularly be -- driving your car. Your rates are based on you as the driver; you don't pay your carrier to cover someone else.
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