Does Insurance Follow The Car Or Person?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   That actually depends upon the terms and conditions of your policy so it would be a good idea to talk to your insurance professional about this.  Unless there are specific limitations, with standard auto policies, you may find that the coverage applies to you and your car as well as to you and any other car you may be lawfully driving while it temporarily replaces your car.  There are a couple of key things to remember if that is the case.  First, only the coverage you have will apply so if you don't have collision on your policy, it won't apply to any other car you are driving.  Second, the coverage extension may also only apply to the use of other private passenger cars so it won't apply to that Uhaul truck you are planning on renting for the day.

   Answered on June 6, 2014

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