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generally speaking, does insurance follow the car or the driver?

IronWing said:
Insurance follows the car so your car -> your insurance.
Click to expand...

Insurance follows the car? 😵

If you’re both on the same policy – yours will pay.

If you have separate policies then the respective policy holder’s insurance will pay.

Unless car insurance in the US just insures the car, which would be retarded.
 
RichUK said:
Insurance follows the car? 😵

If you’re both on the same policy – yours will pay.

If you have separate policies then the respective policy holder’s insurance will pay.

Unless car insurance in the US just insures the car, which would be retarded.
Click to expand...

In the US, auto insurance follows the car. Rates are based upon the model/year/desired level of coverage for the car insured plus the age/sex/driving record of the drivers expected to drive the car insured.

A policy that followed the driver would be some type of personal liability insurance.
 
there are no guarantees.

if unsure of coverage for other drivers, call the insurance company.
 
Liability insurance follows the driver as far as I know.

Collision and comprehensive are for the car, of course.
 
State Farm told me that it follows the car. From the way they explained it, if you give your friend permission to drive your car, they are covered under your policy. If they get in an accident, it goes under your policy and their personal insurance is irrelevant.
 
CrimsonWolf said:
State Farm told me that it follows the car. From the way they explained it, if you give your friend permission to drive your car, they are covered under your policy. If they get in an accident, it goes under your policy and their personal insurance is irrelevant.
Click to expand...

This. Say you buy a car and take out an auto insurance policy on it. Then you you buy a second car. You have to get a second policy on that one as well. You might get a discount for insuring both with the same company but you need two policies as the policies are on the cars. The rates for those policies are set based, in part, on the expected driver but the policy is for each car.
 
How much they cover when other people drive your car varies from carrier to carrier and even policy to policy. Check yours.

The answer tends to be a bit of both.
 
How about if you rent a car? They always offer insurance at the counter but it's optional. Are you covered by your own policy when you rent a car?
 
IronWing said:
In the US, auto insurance follows the car. Rates are based upon the model/year/desired level of coverage for the car insured plus the age/sex/driving record of the drivers expected to drive the car insured.

A policy that followed the driver would be some type of personal liability insurance.
Click to expand...

The response that I've gotten from my agent (State Farm) contradicts this and the other State Farm rep mentioned in this thread. I have always been told that if I borrow a friend's car, it is my own personal insurance that will be used in a crash and not my friend's insurance.

I think that the only thing that can be said for certain is that the OP should check with his own insurance.

ZV
 
AMCRambler said:
How about if you rent a car? They always offer insurance at the counter but it's optional. Are you covered by your own policy when you rent a car?
Click to expand...

I am sure it varies by carrier, but so far, all the insurance companies my family experienced with let us transfer (literally) the coverage for driver. So, if I had a policy and rented a car, the rental car gets the same coverage as it's my car.

Zenmervolt said:
The response that I've gotten from my agent (State Farm) contradicts this and the other State Farm rep mentioned in this thread. I have always been told that if I borrow a friend's car, it is my own personal insurance that will be used in a crash and not my friend's insurance.

I think that the only thing that can be said for certain is that the OP should check with his own insurance.

ZV
Click to expand...

Here is an exact quote from my company (Geico) when I asked about borrowing the others' car (non-rental company): "If someone gives you permission to drive their vehicle you are covered under the insurance for the vehicle that you are borrowing. Your insurance would be secondary coverage."

So, I guess it really varies by the company and region, I guess?
 
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Check to be sure. I specifically recall having insurance for my car that covered any other driver IF they were at least 25. Also, this would be occasional use; don't try and go cheap with one person on a policy when in practice two frequently use it.
 
According to Wiki:

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles, provided they do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary, for example, when a family member comes of driving age they must be added to the policy.

So here's another question: If your insurance pays out for your friend's accident, does YOUR insurance rate go up?
 
IronWing said:
In the US, auto insurance follows the car. Rates are based upon the model/year/desired level of coverage for the car insured plus the age/sex/driving record of the drivers expected to drive the car insured.

A policy that followed the driver would be some type of personal liability insurance.
Click to expand...

Ah - Fair enough.

In the UK we have one insurance policy which covers all (depending on the level of cover).
 
Obviously some of you guys have insurance that covers other drivers who drive your car. Most don't though so assuming all insurance is like that is not true.
 
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