Does Car Insurance Cover the Car or the Driver?

Auto insurance can be confusing for drivers and vehicle owners as they shop for a new or pre-owned vehicle that meets their needs. As such, we get many questions about insurance from , such as:

• What type of insurance coverage do I need?
• What does full car insurance cover? 
• Is my child covered under my car insurance?
• Is insurance expensive for my young child?
• Does car insurance cover the car or the drive on drives?

Read our guide to learn more information about the question, “Does car insurance cover the car or the driver?” 

Does Car Insurance Cover the Car or the Driver in GA?

Does car insurance cover the car or the driver on roads? The answer depends on a few things. The biggest variable is the type of auto insurance coverage that you have. This is because some insurance coverage will cover the car and others that cover the driver. 

• Comprehensive, collision, and liability insurance may cover the car and drivers who are not on the policy. This is part of the answer to, “What does full car insurance cover?” Full car insurance is multiple policies that cover any and all situations your car may be in.
• Liability may cover the driver and provide coverage when the insured person is driving someone else’s vehicle, like a rental car, dealership rental car, or a friend’s car.

You’ll see that liability coverage is mentioned in both bullet points. This is because insurance policies sometimes cover the same situation, so one policy is often considered the primary coverage. The policy will then pay for everything up until it hits its limit, then the secondary coverage may take care of the excess expenses. This is also why the answer to, “What does full car insurance cover?” varies.

What Does Full Car Insurance Cover: Comprehensive vs. Liability

What does full car insurance cover? The answer is that full coverage is a combination of different auto insurance policies. Having comprehensive, collision, and liability insurance would be like having full coverage insurance. What’s the difference among them?

Comprehensive and collision auto insurance will cover the insured vehicle. These policies cover damages that happen to the insured vehicle as a result of vandalism or an accident. Liability insurance coverage on the auto policy covers the driver no matter whose vehicle is being driven, given that it’s an eligible vehicle. 

Is your child covered under car insurance? Yes, if you are that person’s legal guardian. Many states require this type of coverage, and it’s often listed as part of a liability auto insurance policy. Make sure to discuss your insurance coverage needs with an experienced auto insurance agent to find the exact answer to, “Is my child covered under car insurance?”

Learn More About Auto Insurance From Five Star Automotive Group

Auto insurance and coverage can get confusing when it’s time to invest in a policy. That’s why we have our guide to help you! Contact us or call if you have questions about auto insurance.