Comments on: Does auto insurance cover a person or an automobile?What if someone drives your insured car and they have none

By: MADAM_BUTTERFLY_206

MADAM_BUTTERFLY_206 — Wed, 30 Sep 2009 14:28:01 +0000

It depends…Auto insurance covers the car..however some Auto insurance companies may have fine print on what drivers they will cover…but usually you would be safe…There is also something called “drivers insurance” which covers you as a driver so you could drive many cars but does not cover any one car…furthermore, if you got pulled over in a car as long as it was insured not you in particular you would not get a ticket as an uninsured driver…

By: Lisa

Lisa — Sun, 27 Sep 2009 15:43:10 +0000

both …..duh

By: ameeprice

ameeprice — Sat, 26 Sep 2009 09:35:12 +0000

It depends which state you live in. Generally the insurance follows the vehicle, not the driver. In California, the vehicle is insured and people are either listed as the policy holder or a listed driver. Now if you lend your vehicle to a friend, that person is now considered a permissive use driver and coverage would depend on the wording of the policy. Most well known companies will extend coverage to a permissive use driver but they reduce the liability limits to the State minimum. So check your policy wording before lending your vehicle out.

By: russiatannerblue

russiatannerblue — Wed, 23 Sep 2009 07:56:36 +0000

The car! Your regular insurance takes care of you.

By: ohm'slaw

ohm'slaw — Mon, 21 Sep 2009 19:50:46 +0000

the Person “primary driver”
then,their main vehicle

not usually covered if driver uninsured (uninsured can be sued for “recovery”)
except no-fault states

Read The Policy

By: tharedhead

tharedhead — Tue, 15 Sep 2009 12:55:24 +0000

the perfect answer to your question is right here!

In order to be on the road the vehicle must have insurance.

if the car is covered by another person’s insurance you are not considered an uninsured motorist, because the car has insurance…so you wouldn’t have legal trouble from the police (like a ticket) for driving w/o ins. But you may very well have trouble with the insurance company depending on the policy in place…Some people who have had trouble with DUI or DWI, need an sr22 and then in that case that person is personally insured because they are required to keep that on top of auto liability insurance.

In all other matters…

It depends on your policy. If you have only liability coverage…no one is covered except for the other car. If you have comprehensive collision coverage than all are covered for medical up to a certain amount, for damages sustained to property…etc. Some people have insurance that works when they drive other people’s cars, so if I drive your car..and get into a wreck…don’t sweat it because I am covered.

But some policies don’t even allow a person to have other drivers driver the insured vehicle..in that case your insurance company may say that having a driver who is not on the policy is a breech of contract and not cover you at all.

I am sure I have sufficiently answered your question!

By: johnman142

johnman142 — Fri, 11 Sep 2009 12:27:33 +0000

the only way to know for sure is to read the policy, normally the vehicle is covered, the exception is medical which covers the person if they are injured in ANY type of motor vehicle, like a taxi, or paseenger in another vehicle

By: justgenius12

justgenius12 — Thu, 10 Sep 2009 23:04:04 +0000

It depends, but usually the insurance just covers the car. Like other people pointed out, if you’re driving someone else’s car, with their permission, their insurance covers the car, so you don’t need insurance.

By: nickdude07

nickdude07 — Mon, 07 Sep 2009 23:48:58 +0000

Basically it covers both. My friend case in point, had full coverage on his 01 Mustang GT, and was driving his friends 03 Cobra Mustang. Totaled it. His insurance made him pay his deductible, but they covered the rest. Of course an accident stays on your record for some time, and depending how bad your accident was (IE. involving several cars, multiple bodily injuries), your policy could go through the roof. But the bodily injury, auto repairs are covered up to a certain amount, with your deductible. All of this information should be spelled out in your policy.

By: Steve Stifler

Steve Stifler — Mon, 07 Sep 2009 17:41:06 +0000

It only covers the car your insurance will cover you.