Does insurance insure the car or driver

 · Nevertheless, the question to the common question of whether the policy follows the car or the driver, the answer is, it follows both. A better way to think of this topic is not so much in terms of which insurance policy applies but more in terms of an order of operations.  · So generally speaking, the policy insures the car and you as the driver of that car. If the car is covered then you have insurance - if it depends on the driver that may change! Another example is in the case of rental cars. If you - the driver - are covered by your insurance then often this can be used to cover rental cars. Don't assume!

When does car insurance follow the driver? Car insurance generally follows the car, but insurance is never black and white. There are some cases when certain types of coverage do follow the driver too. 1. When you rent a car. 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. Car insurance usually follows the car in Washington. The types of car insurance that follow the car in Washington are bodily injury liability, personal injury liability, collision, and comprehensive. You’re required to carry bodily injury liability and property damage liability in Washington. If you let someone borrow your car and they cause an accident in Washington, bodily injury liability insurance pays for injuries to the other driver and their passengers. If the car is covered then you have insurance - if it depends on the driver that may change! Another example is in the case of rental cars. If you - the driver - are covered by your insurance then often this can be used to cover rental cars. Don't assume!.

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