Does Car Insurance Cover the Car or the Driver?

Finding a new vehicle you love for the Lexington roads might be easy, but understanding car insurance can be less so. As you take the steps to get proper coverage for your vehicle, you’ll likely have a few questions, like “Does car insurance cover the car or the driver?” Rest assured, you’re not the first vehicle owner to ask that question! Spitzer Kia Mansfield answers this and other common questions below.

Who and What Does Full Car Insurance Cover? 

First, we should establish that not every driver in Shelby has “full” car insurance. The term refers to car owners who opt for liability, comprehensive, and collision insurance. However, liability insurance is the only type that’s legally required — anything else is a driver’s choice to protect themselves and their vehicle better. 

With that caveat out of the way, we can dig into some questions that might be on your mind. What does full car insurance cover? And, is my child covered under car insurance? Read below to learn more.

• Who and what does full car insurance cover? Comprehensive, collision, and liability insurance can apply to you, your car, and other people who drive your car with your permission.

• Is my child covered under my car insurance? Yes, your teen is covered by your insurance. However, you should contact your insurance provider to get them officially added to your policy.

• Who does liability insurance cover? Liability coverage follows the insured driver, meaning you’re still covered when driving a friend or family member’s car, a rental car, or a dealership service loaner. 

So, does car insurance cover the car or the driver? It may cover both, but it depends on your insurance policy.

Comprehensive vs. Liability Insurance

We’ve established that full coverage insurance includes not just liability, but typically also comprehensive and collision insurance. What’s the advantage of getting these additional policies? 

Liability insurance covers property damage and/or injuries for another driver in an accident where you were at fault, but it doesn’t protect your own vehicle. 

Comprehensive and collision insurance cover the insured’s vehicle. So, if your car is damaged in an accident in Ashland or by vandalism, your insurance will cover the damages.

Learn More About Insurance Options at Spitzer Kia Mansfield

We don’t blame you if you still have questions about car insurance, and we’ll do our best to guide you in the right direction. Contact us to start a conversation with a knowledgeable member of our finance team, and see our other guides for additional information, like whether GAP insurance is worth it.