Does Auto Insurance Cover The Car Or The Person? – The question of whom is covered, the person or the car, when it comes to auto insurance is a popular one. People are interested in getting a firm understanding of their insurance because you want to be prepared for the unpredictable future.
The short answer to this question is it depends. This is the typical answer because there are many different types of auto insurance to choose from. Certain types cover the person, but most cover the car.
Does Auto Insurance Cover The Car Or The Person?
Does Auto Insurance Cover The Car Or The Person?
The majority of auto insurance plans cover the car and not the person. These are the basic types of auto insurance like No Fault, SR22, collision and the like. They will pay for the bodily injuries to the people that may be injured by the car you insurance and their vehicles.
Depending on the type of auto insurance you have, your car may be covered as well. Meaning, if you are in an auto accident, then your car will be repaired or totaled out and a check will be handed to you. I don’t think most people have comprehensive auto insurance, but it is definitely a good thing.
However, none of these coverages will go with you outside of your car. The insurance policy you sign is for the car you own. It is not portable to move with you when you make a decision to drive a friends car. Their auto insurance should be in place and will protect the car in this case.
However, there is an auto insurance for those without cars that will protect their person as they drive the cars of other people. This auto insurance is called uninsured/under insured. These coverages will apply if the party at fault doesn’t have insurance or doesn’t have enough insurance to cover your injuries or damages caused to you. In this case, you will be covered.
As a general rule, auto insurance doesn’t cover the person, it covers the car. This is something to keep in mind moving forward. Just make sure your cars are insured and any car you drive is insured as well. - Does Auto Insurance Cover The Car Or The Person?
Thanks for sharing this information. Many cars owners get confused with the coverage of auto insurance.