Does Car Insurance Cover The Driver Or The Car?

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   Samuel Smith

   Enrolled Agent-licensed to practice before the IRS, Samuel N Smith, EA, South Carolina

   When you purchase car insurance the insurance agetns require that you declare who the primary oerator of each vehicle. This declaration means that if the "driver" of the car has an accident then the coverage of that vehicle with that driver was declared on the application. What happens if you are driving a friend's car with his permission-then you are covered by the permission granted to drive the car, assuming you are legally licensed.

   Answered on November 24, 2013

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