Does Car Insurance Cover the Car or the Driver?

Knowing just what your car insurance covers will give you added peace of mind on Minot roads and beyond. For example, if a friend borrows your car, it may beg the question, “does car insurance cover the car or the driver?” Or maybe you’ve wondered “is my child covered under car insurance?” In the following guide, we’ll detail the different types of insurance and what they cover so you know what you’ve got!

Types of Car Insurance Coverage

Does car insurance cover the car or the driver? Well, it depends on the coverage type. Some types of insurance cover the car, other types cover the driver:

• Bodily Injury Liability Insurance- This coverage means you, as the policy holder, are at fault in a collision with another party. In this case, it pays for the other drivers’ medical expenses, etc.
• Personal Injury Protection (PIP)- This is coverage for the treatment of you as the driver and/or your passengers should you/they sustain injuries from an accident. So, if you asked “is my child covered under car insurance,” under PIP, yes.
• Comprehensive Insurance- This covers damage or theft done to your vehicle from other than a collision. Think, hail, flood, vandalism, hitting a deer, etc. People often ask “what does full car insurance cover?” While there is no such policy, we will direct them to comprehensive insurance as it covers a very broad stroke of unfortunate circumstances beyond collisions.
• Collision Insurance- Collision insurance covers your vehicle in the event you hit another car, an object, or flip your car. Even if you are at fault, collision insurance will kick in when you get it serviced. It may also cover damage caused by Bismarck potholes.

What Does Full Car Insurance Cover?

While drivers tend to inquire about “what does full car insurance cover,” there is actually no such policy. Similarly to the answer to “does car insurance cover the car or the driver,” it all depends on the types and amounts of coverage you opt for to protect you as a Devils Lake driver. Bodily injury liability and PIP cover drivers, while comprehensive and collision cover cars.

Get More Car Owner Tips at Ryan Honda of Minot

While insurance can seem overwhelming, we are happy to help you understand so you can drive throughout Dickinson feeling informed about your coverage. With more questions about car insurance or even financing, please don’t hesitate to contact us today!