Does Car Insurance Cover the Car or the Driver?

Insurance can be confusing and frustrating for many drivers. Because of that, many and drivers often have questions, like: 

• What type of coverage is needed?
• What does full car insurance cover? 
• Is my child covered under my car insurance?
• Is insurance expensive for my young child?

At Kempthorn Motors, we’re here to answer any questions you have regarding your insurance and its coverage.

Who Does Car Insurance Cover?

Does car insurance cover the car or the driver? The answer depends on a few things, the main variable being the type of insurance coverage that you have. This is because there is insurance coverage that will cover the car and others that cover the driver. With that said:

• Comprehensive, collision, and liability insurance may cover the car and drivers who are not on the policy.
• Liability insurance 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.

Why is the liability coverage 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, and then the secondary coverage may take care of the excess expenses.

Comprehensive vs. Liability

What does full car insurance cover? This is not a specific type of policy, but a combination of coverages. Having comprehensive, collision, and liability insurance would be like having full coverage insurance. What’s the difference between them?

Comprehensive and collision auto insurance will cover the insured vehicle. It covers 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. 

Learn More at Kempthorn Motors

Auto insurance and coverage can get confusing. That’s why our knowledgeable team is ready to help ease the stress. When you visit Kempthorn Motors near for your new or used vehicle purchase, we’re here to help with any insurance-related, car-buying process, or leasing vs. financing questions you have. Contact us today!