Does Your Car Insurance Follow the Car or the Driver?

Does Your Car Insurance Follow the Car or the Driver?

Find out how your auto insurance coverage works.

For many people, auto insurance in Astoria, New York can be a bit confusing.  A common question that arises is whether auto insurance coverage follows the vehicle, the driver, or both.  Here is some information about how the different types of auto insurance policies work.

Bodily Injury

This type of coverage typically follows the driver and covers any medical bills that the driver might have after an accident.

Liability Coverage

If you have a liability policy, then the coverage will follow the driver.  However, it’s important to understand that the driver only has coverage if they are operating vehicles that are eligible under their policy.  Usually, you are covered when you drive cars owned by your family and friends, rental cars, and replacement vehicles.  Just make sure you review your liability policy to check your exclusions.

Comprehensive Insurance and Collision Insurance

This type of coverage follows the vehicle.  Comprehensive and collision insurance pay for the damages the covered vehicle sustains during an accident or if it is vandalized.  It’s important to understand that this coverage might only apply if someone who is listed on the policy is driving the vehicle.  However, there isn’t a straight answer for this type of coverage.  It will depend largely on your individual policy and the circumstances of the accident.

Ultimately, there is not a clear answer to the question of whether your auto insurance follows the car or the driver.  It depends on a slew of factors including your insurer’s regulations and the type of policy you have.  If you have questions regarding your auto insurance in Astoria, New York, then don’t hesitate to contact us at 01 Insurance.  Our dedicated team is ready to assist you with all your insurance needs.