Outside of your daily routine, it’s common to wonder how your auto insurance works in any given situation. One common question many drivers have is whether their policy is linked to the vehicle itself or to themselves. Understanding this and other common car insurance issues will allow you to make wise decisions. Here’s a closer look.

When Insurance Follows the Driver

Liability coverage is a component of most auto insurance policies. This legally required coverage provides protection to drivers if a lawsuit occurs as a result of an accident. It also provides funding for things like property damage or medical costs incurred for a third party. 

In this case, liability coverage does follow the driver and not the vehicle. For instance, if you’re driving another person’s vehicle and are involved in an accident, you’ll most likely be covered.

However, there can be exclusions to your policy based on factors like regular usage or whether the car was intended as a replacement. 

When Insurance Follows the Vehicle

Permissive drivers are those who are not on your auto policy but who have permission to operate your vehicle. Most likely, your insurance coverage would apply to anyone borrowing your vehicle, whether that’s a friend, coworker, or family member. In the event the person didn’t have a license or was driving your vehicle under illegal circumstances, such as drunk driving, your insurance will not provide coverage. 

Comprehensive and collision insurance are also connected to the vehicle and not the driver. While standard liability insurance pays for other vehicles to be fixed, “full” coverage protects your vehicle when an accident occurs. Additionally, it’s also good for non-accident damage, such as theft, vandalism, or even collisions involving wild animals. 

Do you have questions about auto insurance? If so, Ebert Agency Inc. is here to provide answers. Providing service to people all over southern Alabama, this insurance company offers more than nine decades of experience to clients. Thanks to their robust network of carriers, they provide insurance products that are both affordable as well as comprehensive to fit your unique needs. They’ll also help you find a bundle of insurance coverage, including home, auto, and boat insurance. Call (251) 943-2281 to get a quote today or learn more about their personal insurance products online.