Does Car Insurance Cover the Car or the Driver?

Do you have a new driver that can drive multiple cars in your house? Are you driving a family member’s or friend’s car around Marble Falls until yours is fully repaired? Are you lending your vehicle to someone? Each of these scenarios is common in Copperas Cove, as they are ways to provide convenience in your everyday life. Regardless of your position as a lender or borrower, it’s important to know the liabilities. Questions like “Does car insurance cover the car or the driver?” are important to ask, so you can make the logical decision to lend or borrow. Learn more about car insurance and its coverage with Jim Hoffpauir, Inc. below.

Car Coverage vs. Driver Coverage

So, what does full car insurance cover? The answer is a bit complicated. Coverage varies based on your insurer, their policies, and cost. There are different packages available that will cover a variety of things for different periods of time. In general, coverage can follow you or your car. The following factors will determine what is covered and to what extent:

• Whether You Have Permission to Drive Someone Else’s Vehicle
• The State Where You Live
• The Names Listed on the Insurance Policy

Does Car Insurance Cover Other Drivers Who Operate My Car?

You may be wondering if your child is covered under car insurance. This is a valid question to ask, especially if they are driving one of our new models. Unlike the question in the previous section, the answer to this one is easy: yes! Car insurance usually covers anyone you list on your policy. If they are not listed, however, coverage is solely based on consent. This means that they are covered if you verbally confirm that they are allowed to drive it, or you physically hand them the keys. Drivers not listed on the policy may be covered under the following circumstances:

• When friends and family members borrow your car when theirs is being repaired
• When sharing the driving responsibility on a road trip or a long drive
• When extended family members visit you or stay with you at your household

Learn More About What Your Car Insurance Covers with Jim Hoffpauir, Inc.

Have more questions? Our finance team is a great resource! The cost of insurance can vary based on the make, model, and year of the car, so be sure to take that into consideration as you browse through our vehicle inventory. If you already know what you want, apply for financing today!