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Does Car Insurance Cover the Car or the Driver?

car insurance paperwork with car key

Anyone who’s had a car has had to contend with questions of insurance. A common question we hear often at our Salt Lake City dealership is “Does car insurance cover the car or the driver?” While the answer is not true in all cases, the general answer is that car insurance covers the car but not the driver. We’ll go into detail for the good people of Salt Lake City and if you’ve got further questions, you should talk to our finance team so we can help you!



Who Is Covered On My Car Insurance?

If someone else drives your car in West Valley City, you are generally letting them drive on your car insurance. However, there are a couple of exceptions to this. For example, if the person you allow to drive your car is under the influence of alcohol or drugs or has no license or an expired one, you’re typically on the hook for the damage. You can also exclude certain people from your car insurance to make sure any damage they cause behind the wheel is their responsibility.

What Does Full Car Insurance Cover?

If you’re asking “What does full car insurance cover?” you’ll discover that it covers both your car and the car you damage in an accident. It combines collision and comprehensive coverage, which covers the damage to your car, with liability coverage, which pays for injuries and property damage that happens to others. For this reason, you’ll typically pay more for this insurance than you would if it weren’t covered.

You can also get insurance for dealing with someone else in an accident who doesn’t have insurance, but this is something you should run by your insurance agent in West Jordan before you proceed.

Drive Like a Champ with Prestman Auto

If you’re ready to make something new out of your driving life, Prestman Auto is ready to help you make the most out of your insurance situation. We’ll help you navigate the world of insurance and we’ll even let you apply for financing from the comfort of your own home to get pre-approved. Or, just contact us to get ahead of the process.


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