Does insurance follow the car or the driver

Insurance typically follows the car rather than the driver. This means that when you have insurance coverage for a specific vehicle, the insurance policy will generally provide coverage for that vehicle regardless of who is driving it, as long as the driver has your permission to use the vehicle.

Here’s how it generally works:

1. Car Insurance Policy: When you purchase car insurance, you are obtaining coverage for the vehicle itself. The insurance policy will outline the coverage, deductibles, and limits that apply to the vehicle.
   
   

2. Permissive Use: Most car insurance policies allow for permissive use, which means that if you give someone permission to drive your car, they are usually covered by your insurance policy while driving your vehicle.
   
   

3. Exceptions: There can be exceptions and limitations. If someone frequently uses your car and isn’t listed on your policy, they might not be fully covered. Additionally, if someone is explicitly excluded from your policy, they likely won’t have coverage.
   
   

4. Non-Owned Vehicles: If you have liability coverage on your policy, it might extend to cover you when driving a rental car or someone else’s vehicle. However, the coverage is usually limited to the same limits you have on your own policy.
   
   

It’s essential to understand the terms and conditions of your insurance policy and discuss with your insurance provider to ensure you have a clear understanding of who is covered and under what circumstances. Keep in mind that insurance policies and regulations can vary based on your location and the specific insurance company you’re dealing with.