Does Car Insurance Cover The Car Or The Driver?

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Both. When you purchase auto insurance it is typically based on the insured and the vehicle listed as operated by the insured. This means that for the most part you drive the vehicle that you purchased insurance on almost exclusively. If you drive another vehicle and are involved in an accident your liability coverage from your auto policy will pay for damages first less your deductible over the insurance coverage that another person may have on the vehicle. If someone else is driving your vehicle and does not have other coverage then your insurance coverage would more than likely pay for the claims that the person driving your vehicle was deemed responsible for. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.

   Answered on September 19, 2013

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