Car insurance insure car or driver

Any driver car insurance basically means that anyone can drive your car. This can be anyone that has your permission, like family and friends. It sounds great, especially if you have a few family members that need to use the vehicle. However this can be a headache for insurers as to them, you’re basically letting complete strangers drive your car.

It will depend on the exact terms of your policy, the state you live in, the driver in question and the type of loss suffered. When it comes to your car insurance, there are coverages that can follow you as the driver, or your vehicle. That’s why having the appropriate car insurance coverage is so important.

In most cases, if the driver has permission, insurance will cover a driver from any state, but that is not always the case. It depends on policy terms and auto coverage. If the insured has MedPay or PIP coverage, and is driving a commercial or company vehicle, then that coverage will be primary. MedPay follows the driver, as does PIP.