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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Aug 22, 2016

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Does Car Insurance Cover the Driver or the Car?

Car insurance can cover both the driver and the car, but further explanation is required to understand the differences that do exist. In the simplest of terms, car insurance, such as comprehensive and collision coverage, is in place in the event that a vehicle is damaged. Liability insurance, Med Pay, and bodily injury policies are in place to cover injury to the driver. So, in effect, both driver and car are covered by car insurance, depending on the type of policy or policies in place. Breaking it down into smaller pieces can help make what seems like a complicated system easier to understand.

Insurance That Covers Your Car

Just because you have auto insurance doesn’t mean all damage done to your vehicle will be covered. Not all states require comprehensive or collision insurance, and without those you will likely be left on the hook for any damage your vehicle sustains.

Most auto loan companies and banks require comprehensive insurance on any vehicle to which they hold the lien, which means that if your car is financed, you will be covered for damage to the vehicle, as that is the lienholder’s collateral.

However, most states don’t require comprehensive insurance on vehicles that are older, or those that are paid off. If you don’t elect comprehensive or collision insurance specifically, you may be at risk if your car is involved in an accident.

Collision insurance is narrower in scope than comprehensive, and covers damage done in an accident, whether with another car or an inanimate object such as a tree. As with comprehensive insurance, you may need to specifically request coverage to make sure you’re not left unprotected.

In the case of both collision and comprehensive insurance, your vehicle will usually be covered even if someone other than you is driving. Of course, the driver will need to be using your vehicle with permission, and depending on their relationship to you, there may be other restrictions or exclusions as well.

…car insurance, such as comprehensive and collision coverage, is in place in the event that a vehicle is damaged.

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Insurance That Covers the Driver

When it comes to making sure medical bills are covered for injuries sustained while driving, it’s usually liability insurance that comes into play. Most states require liability insurance, at a minimum, in order to legally drive. Liability insurance can extend to your passengers and the drivers and passengers of another car you have an accident with, especially if you are at fault.

In addition to liability insurance, there are extra policies you can purchase to make sure any and all injuries will have some kind of coverage. Med Pay insurance, which is specifically designed to pay for a designated amount of medical expenses per person can add extra peace of mind. Likewise, bodily injury insurance, which is similarly designed to help with expenses incurred as a result of a driving-related injury, can add extra protection in the event of an accident that results in injury to one or more people.

If you want to talk more about car insurance coverage, call and speak with someone at Obrella.

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