0
Every policy is different and you should certainly be sure that you understand the policy you are presented with before signing. That being said, most basic insurance policies cover damage inflicted BY your car TO a different car while a specific driver or drivers is in control of the car. There are additional forms of coverage to protect YOUR car (like collision coverage) in case of an accident. When the policy is purchased, the insurance agent will ask who will be driving the car so that he has an idea about how much risk there is on the car. If somebody drives the insured car other than the listed drivers, coverage may not be afforded.
Wiki User
∙ 12y ago
Add your answer:
Earn +20 pts
Do you need to be on someones auto insurance to drive a vehicle?
Insurance will cover any licensed driver with permission to borrow the car.
Does car insurance cover the car or the driver?
Car insurance covers you for accidents, fire and theft of your vehicle depending on what type of insurance you take out. You will need to get a quote from a car insurance company to find out how much your insurance will cost and what it will cover you for in the event of needing to make a claim.
Does insurance follow the car or the person?
Depends on the insurance policy. A good one will cover both, as long as the driver has permission to drive the car, and the policy owner can cover a rental or a new vehicle.
Who is responsible for a accidents costs the owner of the car or driver?
the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver
Does car insurance cover suicide?
Does vehicle insurance cover suicides
If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage?
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
If someone is driving your vehicle which is covered with collision and has and accident and is at fault are you responsible for all damages and costs or will their insurance cover it?
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
What happens if you wreck someone elses car but you have your own insurance?
Car insurance is just that: insurance for the car. When a contract between the insured and the insurance company is purchased, it is based on the driver and the vehicle. If the driver takes someone else's vehicle, the insurance is only for the original car. There would be no pay out for someone else's car. Example: Driver A buys insurance for Vehicle A valued at $5,000. Driver A uses Vehicle B that is valued at $35,000. The insurance cost is obviously not the same therefore the coverage is not there. In the event of bodily injury, coverage up to the agreed limits are there. Remember, health insurance does not cover care and or treatment due to a vehicular accident. I hope this helps clarify the questions.
If an adult sibling drives your car without insurance will your insurance still cover the auto if there is an accident?
The insurance on the car will cover unless the driver has been previously excluded the full provisions of the policy covering the vehicle applies with legal permissive use.
Does full coverage insurance cover my car if someone else drives it?
Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are properly using the vehicle (i.e.: not racing) your vehicle is covered.
Does auto insurance cover any driver of your car?
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
