Does Car Insurance Cover the Car or the Driver?

Auto insurance can be confusing and frustrating for many drivers because they may not understand what’s covered, what’s not, or how much money they can tap into with their coverage. And there are a lot of legalese and technical terms that insurance companies need to include for regulatory purposes due to the complex financial nature of car insurance.

Because of these things, many Rome drivers often have questions, like: 

• What type of insurance coverage do I need?
• What does full-coverage car insurance cover? 
• Does my car insurance cover other drivers?
• Is my child, as a passenger, covered under my car insurance?
• Is auto insurance expensive when covering my child?

At Welborn GMC Of Cartersville, we’re here to answer any questions you have regarding your auto 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 is the type of insurance coverage you have. You need to know there are insurance policies that will cover the car and others that cover the driver. 

These are the main differences:

• Comprehensive, collision, and liability insurance may cover the vehicle and drivers who are not on the policy. So if you want your auto insurance to cover drivers not on the policy, this is the type you want to go for. Make sure your policy specifically states it will cover these types of cases!
• Liability 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 vehicle.

Why do we mention liability coverage in both bullet points? Insurance policies sometimes cover the same situation, so one policy may provide the primary coverage. The policy will then pay for everything up until it hits the liability limit, then the secondary coverage may take care of the other expenses, such as medical and injuries to passengers.

Comprehensive vs. Liability

What does full car insurance cover? This is not a specific type of policy. Rather, full-coverage auto insurance is a combination of coverage. Having comprehensive, collision, and liability insurance is similar to having full-coverage insurance. 

What’s the difference between them?

Comprehensive and collision auto insurance both cover the insured vehicle. They cover 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, assuming that it is an eligible vehicle. 

Learn More About Auto Insurance at Welborn GMC Of Cartersville

Auto insurance and coverage can get confusing with all of the legal lingo. That’s why our knowledgeable team is ready to help to ease the stress of understanding your auto insurance policy. 

When you visit Welborn GMC Of Cartersville 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 or call (678) 792-4501 today, and we’ll answer your questions as best we can.