Does Car Insurance Cover the Car or the Driver?

couple discussing documents with a car salesman

Even though car insurance is required for all drivers, what insurance covers can be frustrating to understand. Typical questions about their insurance coverage that Beavercreek drivers might wonder include:

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

Learn what your car insurance covers with the finance team at Key Chrysler Jeep Dodge Ram FIAT. Then, explore our other financing tips, like how much of a down payment is needed for bad credit financing to make the car buying experience hassle-free.

What Does Full Insurance Cover?

A common question is whether or not car insurance covers the car or the driver. Depending on the type of insurance you have, some plans cover the driver and some cover the car. When you’re wondering what full insurance covers in Springfield, there are a few factors to keep in mind. No matter if your vehicle is covered by comprehensive, collision, or liability insurance, occupants who aren’t on the policy, including your children, may be covered by these plans as well. Check with your insurance agent to find out.

Also, liability insurance sometimes covers the policyholder even when they’re driving another car, including a friend’s car or rental car. When in an accident and the policyholder has more than one insurance policy, there will be one that is designated as your primary insurance. Once that has paid its full financial amount, the secondary policy will cover any extra costs, if necessary.

Is My Child Covered Under Car Insurance?

Still wondering if your child is covered under car insurance? Wilmington drivers must have several car insurance policies to have complete coverage for themselves and their family: comprehensive, collision, and liability insurance. A combination of these give drivers complete coverage.

Learn More About Insurance Coverage at Key Chrysler Jeep Dodge Ram FIAT

If you’d like to know more about the difference between comprehensive and liability insurance, contact the finance team at Key Chrysler Jeep Dodge Ram FIAT! Our finance experts can explain the three insurance coverages and help you determine if your coverage protects yourself or your car in Xenia. Don’t hesitate to contact us at Key Chrysler Jeep Dodge Ram FIAT with any questions about car insurance, or if you need help in finding a new car! Explore our new vehicle specials today!

Key Chrysler Jeep Dodge Ram FIAT 39.7120915, -83.936812.