Does Car Insurance Cover the Car or the Driver?

There are many different types of car insurance available to Westport drivers and sometimes it can be confusing to know what kind of coverage to choose. This confusion only grows when you start to wonder, “Does car insurance cover the car or the driver?” While it is true that most types of car insurance follow the vehicle, and not the driver, certain policies and types of insurance work differently. Here’s what you should know:

• Comprehensive coverage and collision insurance both tend to follow the car, and not the driver. The same can be said for GAP insurance.
• Liability insurance usually covers the driver, rather than the car! As long as you’re covered, you can drive any vehicle without worrying about bankrupting yourself.

Common Questions on Car Insurance Coverage

There are many different types of car insurance available to Westport drivers and sometimes it can be confusing to know what kind of coverage to choose. Here, we’ve answered a few questions that we get from just about everyone:

• What type of coverage is required? – Are you considering comprehensive coverage or just liability insurance? Coverage requirements vary from state to state, but a minimum amount of liability insurance is always necessary.
• What does full car insurance cover? – Full insurance coverage is typically a combination of collision coverage and comprehensive coverage. The precise coverage limits will depend on your policy.
• Is my child covered under my car insurance? Generally speaking, children are automatically covered on an insurance policy without additional charge until they become a teen driver, but you should confirm this with your insurer. Once your child is of driving age, they will be listed on the policy, irrespective of whether they can drive or not, and the cost will be applied to the policy.

Differences Between Comprehensive and Liability Coverage

Both collision coverage and comprehensive insurance cover the insured vehicle, and together, they cover damages that happen to the insured vehicle as a result of vandalism or an accident. Liability insurance coverage covers Norwalk drivers no matter whose vehicle is being driven, as long as that vehicle is eligible for protection in the driver’s liability coverage policy.

Contact Us Today With Your Insurance Questions

Car insurance in the Weston area can become complicated, and it’s comforting to know that you have the in-house financing professionals at Mercedes-Benz of Fairfield available to guide you with their considerable experience.

Visit us for your new and used vehicle purchases and our finance team will walk you through the loan application and insurance coverage process. Call us today!