Does Car Insurance Cover the Car or the Driver?

Car Wreckage

When it comes to car insurance, you want to know how you’re protected and from what, but many St. Louis drivers can find insurance confusing or frustrating. Often, drivers come to us with questions like:

  • What type of coverage is needed?
  • What does full car insurance cover?
  • Is my child covered under my car insurance?
  • Is insurance expensive for my young child?

We here at the Suntrup Automotive Group finance center want to do our best to answer any questions you may have, so read this article to learn more answers concerning questions like “Does car insurance cover the car or the driver?” and other facts. If you still have questions, feel free to contact us, and we’ll be happy to help.

What Does Full Car Insurance Cover?

So, does car insurance cover the car or the driver? There are a few factors that can affect the answer to that question. The main factor is the type of insurance coverage that you have. Depending on your insurance coverage, there are some that cover the car and others that cover the driver. Here are some specifics:

  • Comprehensive, collision, and liability insurance may cover the car and drivers who are not on the policy.
  • Liability insurance may cover the driver and provide coverage when the insured person is driving someone else’s vehicle, like a rental car, dealership rental car, or a friend’s car.

You may notice that liability coverage is mentioned in both bullet points. This is because when you have multiple insurance policies, they will sometimes both cover you during a situation in the St. Charles area. One policy is usually considered the primary coverage, and it will pay for everything up until it hits its limit. Then, the secondary coverage takes care of the excess expenses.

Comprehensive Insurance vs. Liability Insurance

So, what does full car insurance cover? Full car insurance is a combination of coverage rather than a specific policy. If you were to have comprehensive, collision, and liability insurance, then that would be like having full coverage insurance. However, what’s the difference between them? Comprehensive and collision auto insurance cover the insured vehicle. They both cover damages that happen to the insured vehicle if it is vandalised or if you get in an accident in Fenton. Liability insurance coverage on the other hand, covers specifically the driver. It does no matter whose vehicle is being driven, as long as it’s an eligible vehicle under the policy.  You may still be asking, “Is my child covered under car insurance?” It may depend on your specific policy, but if your child has liability insurance, then they are covered.

The Finance Team at Suntrup Automotive Group Can Tell You More

We know that you may still have questions, so feel free to call us at %%di_phone%% and ask! Our knowledgeable team is ready to help to ease the stress of finding your car insurance. When you visit our St. Louis dealership to buy your new or used, we can help with any insurance-related, car-buying process, or leasing vs. financing questions you have.

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