Does auto insurance cover the car or the driver?

If you are going to borrow someone’s car in Lansing, IA, or if you are lending your car to a friend, you still need to know if the driver will be insured.

Is someone who is covered under one policy still covered when driving different vehicles?

At Kerndt Brothers Insurance Agency, we collect information from insurance applicants such as driving history, household members, and automobile information. This is so the company insuring the family knows the patterns of the family being insured. Someone with a poor driving history may make the policy more expensive, for example.

Other drivers can still use the vehicles under the policy as long as it isn’t a regular thing. You should always inform your insurance agent if someone else is using your vehicle a lot or if other driving patterns change. During the peak of the pandemic, many drivers were able to get a break by reporting that they were no longer spending as much time driving every day because of the temporary work-from-home policies.

If a friend borrows your vehicle and there is an accident, your liability insurance will pay for property damage and for injuries to the other driver and passengers. If the amount owed goes over your policy limits, the other driver is responsible but may be able to use their own liability coverage to make up the difference. That secondary coverage would only kick in once your policy maxes out.

Schedule A Consultation Today

Even if you trust your friend, you are still taking a risk when lending your vehicle to someone in Lansing, IA. If there is an accident, you will have to report it to your insurance. If your friend is at fault, your insurance will probably have to pay. For any questions about auto insurance, please call Kerndt Brothers Insurance Agency today.