Does Car Insurance Cover the Car or the Driver?

For many drivers in and around Providence, deciding which car insurance plan fits their needs can be nerve-wracking. Fortunately, it doesn’t have to be with the experts of Mercedes-Benz of Warwick. When you’re looking for the right plan for you and your family, a common question is, “Does car insurance cover the car or the driver?” It depends on the plan, because certain types of insurance generally follow the car, while other types tend to follow the driver! Other questions you may have that our finance center experts will answer below include:

• What type of coverage is needed?
• What does full car insurance cover?
• Is my child covered under my car insurance?
• Is insurance expensive for my young child?

Who Does Car Insurance Cover?

Does car insurance cover the car or the driver? Naturally, in order to answer that question we need to know what kind of coverage you’re looking into for your East Greenwich travel. Here’s what you should keep in mind:

• Comprehensive, collision, and liability insurance may cover the car, including drivers who are not on the policy. The same is almost always true for GAP insurance.
• Liability may cover the driver and provide coverage when the insured person is driving someone else’s vehicle, like a rental car, dealership rental car, or a friend’s car.

Why is liability insurance mentioned in both bullet points? Insurance policies can cover the same situation, and in these cases, one policy is often considered the primary coverage. The policy will then pay for everything up until it hits its limit, and the secondary coverage may take care of the excess expenses.  The most important thing to note is that you’ll want to know your insurance policy! Since some packages cover the car, and other packages cover the driver, you’ll definitely want to talk to your representative. Find out which coverage fits your needs and budget with our financing and insurance guide.

Liability vs. Comprehensive Insurance

Many Cranston drivers are wondering, “What does full car insurance cover?” Full car insurance is actually not a specific type of policy; it’s a combination of various coverages, and it generally includes bundled liability, collision, and comprehensive insurance.  The difference between the three types of insurance revolves around who and what is covered in case of an accident:

• Comprehensive and collision auto insurance will cover the insured vehicle, including damages that happen as a result of vandalism or accident. Comprehensive insurance is required to protect against natural causes, including hail damage.
• Liability insurance coverage, on the other hand, covers the driver no matter whose vehicle is being driven, given that the vehicle is eligible.
• Your insurance coverage doesn’t likely cover your passengers in case of an accident. Health insurance. However, typically provides a range of relief for medical bills in the event of an accident.
• What’s more, since your collision insurance probably follows the car, your child of driving age is likely to be covered in the event that they borrow the car or take over the wheel.

The Finance Experts at Mercedes-Benz of Warwick Await

While auto insurance and coverage can get a little confusing, it doesn’t have to be, thanks to our finance team. Take a look at the car buying tips from Mercedes-Benz of Warwick, then explore our inventory of pre-owned and new inventory to find the vehicle that fits your lifestyle. Contact us today to learn more about the financing process and stay informed about all your insurance needs.