Does Car Insurance Cover the Car or the Driver?

Signing Finance Documents for Car
 

Drivers from Conway to Myrtle Beach often have questions about insurance, and we don’t blame them! Insurance coverage can be tricky to understand, but luckily, our finance experts are here to help. Does car insurance cover the car or the driver? Is my child covered under car insurance? We’re here to dive into the details. Don’t hesitate to reach out for more finance information!

What Does Full Car Insurance Cover?

Let’s start with the basics: What does full car insurance cover? Full car insurance coverage can vary, depending on your insurer, but here are a few things to keep in mind:

  • “Full” coverage usually consists of three types of insurance: comprehensive, collision, and liability.
  • Comprehensive, collision, and liability insurance can cover the car and drivers not on the policy. So, is my child covered under car insurance? Yes.
  • Liability insurance covers the insured driver. This means you’re still covered when operating a rental car, friend’s car, dealership loaner, etc.

So, does car insurance cover the car or the driver? It can cover both. Is my child covered under car insurance? Yes, your child can be covered under your plan as well.

Comprehensive vs. Liability

We’ve now answered, “What does full car insurance cover?” Let’s dive a little deeper into the differences between the types of insurance. Comprehensive and collision insurance will both cover your insured vehicle. So, if your car is involved in an accident in Conway or vandalized in Myrtle Beach, the vehicle will be covered against damages. Liability insurance tends to follow the driver. As long as the driver is using a vehicle that insurance deems eligible, the coverage will follow the driver from car to car.

Learn More About Car Insurance at Hadwin-white Buick GMC, Inc.

We know that auto insurance jargon can get confusing, but the team at Hadwin-white Buick GMC, Inc. is here to help. Feel free to contact us as questions arise, and stop by for a chat in Conway. We’d be happy to go over terms with you, and if you’re ready for an upgraded vehicle, we can also introduce you to our new and used inventories!

 

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2325 E. Hwy 501 2325 E. Hwy 501, Conway, SC, 29526

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Hadwin-white Buick GMC, Inc. 33.7954, -78.9998.