Does car insurance follow the car or the owner?

Does car insurance follow the car or the owner?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

Does car insurance cover you driving other cars?

Your Comprehensive Car Insurance or Third Party Car Insurance policy is only attached to your vehicle. It doesn’t follow you when you drive other people’s cars. For someone else to be covered while driving your vehicle, they need to be on your policy as a listed driver.

Is insurance void if drink driving?

Will drinking and driving invalidate my car insurance policy? It won’t necessarily fully invalidate your policy. But if you have an accident while you’ve been drinking, you might find your insurance provider won’t pay out for any injuries you suffer or repairs to your vehicle.

Does insurance cover alcohol related accidents?

Your DUI mess Driving under the influence of alcohol or drugs is illegal, obviously. However, if you drive drunk and cause a car accident, your car insurance policy will pay for damages you cause — up to the liability limits of your policy.

What happens if you let someone borrow your car and they total it?

In California, vehicle owners are generally responsible for damages if they allow friends or relatives to borrow their vehicle. That means it will not cover damages the excluded driver causes. Whether you are liable for damages depends on the situation and should be discussed with a licensed attorney.

Do you have to have car insurance if you are the driver?

Car insurance can cover the car or the driver. Car insurance always covers your car if the driver is included on your policy. Liability insurance covers you, even in another car.

Can a car insurance company refuse to cover an accident?

If the insurer takes the position that you acted intentionally to cause the accident, it may refuse to defend you and may deny coverage for damages relating to your accident. This is especially true if you’re trying to get coverage for injuries to other drivers and passengers.

What happens if you cause a car accident while intoxicated?

If you cause an accident while you are intoxicated, your auto insurer will at least investigate the circumstances of your crash before it agrees to accept liability for any damages.

Can a rental car be covered by car insurance?

Depending on your policy, your car insurance may extend coverage to rental cars. That means if you get into an accident, your car insurance liability coverage will cover you in the same way it would if you were driving your own car — paying out for any damage or injury that you’re liable for.