Does Car Insurance Cover the Car or the Driver?

Car insurance can be confusing. So, if you’re like a lot of Freehold drivers, you have questions. How do you know if you have enough coverage? What’s the difference between liability and collision insurance? Fortunately,we have the answers. We’ll address the following questions below:

• Does car insurance cover the car or driver?
• Is my child covered under car insurance?
• What does full car insurance cover?

Does Car Insurance Cover the Car or the Driver?

What if you borrow a friend’s car and get in an accident along one of our Toms River roads? Does car insurance cover the car or the driver? If you have liability insurance, you are usually covered for damage caused in an accident in which you are at fault, regardless of which eligible vehicle you are driving. This can include a rental car. What if you lend your car to a licensed relative who does not have insurance because he does not own a car? Then your insurance may cover that driver under “permissive use.” Check with your insurance company to make sure.

Is My Child Covered Under Car Insurance?

Is your child close to getting her learner’s permit? Then you’re likely wondering, “Is my child covered under car insurance?” Most policies will automatically cover children who have a permit but who are not yet licensed or an adult child who occasionally borrows the car. In most cases, licensed children and adult children who live in your household will need to be added to your policy. Again, check with your insurance company.

What Does Full Insurance Cover?

Maybe you want all the coverage. So, what does full insurance cover? “Full coverage” is a term you hear a lot, but it’s not a type of policy. To be fully covered, you will need a combination of policies:

• Liability – Covers damage and injury to others caused in an accident at which you are at fault
• Collision – Covers damage to your vehicle and injury to you in an accident caused by you or when damages cannot be recovered from someone else
• Comprehensive – Covers theft as well as damage to your car from natural disasters, vandalism, and other non-collision causes

Let the Finance Department at Honda Universe Help You

Our finance department has helped lots of drivers understand the intricacies of auto insurance. So, let us know if we can help. While you’re here, why not check out ournew vehicle specials? We’re right down the road from Jackson. So, drop by orcontact us today!