Does Car Insurance Cover the Car or the Driver?

Insurance can be a huge asset for Washington drivers, but working out the details of your plan can be confusing at times. Many drivers ask questions like “What does full car insurance cover? Is my child covered under car insurance?” The finance experts at Stephen Wade Cadillac are here to help. Get the answers to some commonly asked insurance questions, and be sure to reach out for more finance tips.

Who Does Insurance Cover?

Let’s start with the basics. Does car insurance cover the car or the driver? That depends on what type of insurance you have:

• Comprehensive, collision, and liability insurance can cover the car and drivers not on the policy.
• Liability can cover the driver, as well as insured drivers who are using another vehicle (rental car, dealership rental car, or a friend’s car).

Liability coverage is used in both examples because it can cover many things. If you are at fault in a collision, your liability insurance may cover the other driver’s medical bills or damages to their vehicle.

What are the Types of Insurance?

What does full car insurance cover? Full car insurance isn’t a specific policy but a bundle of different insurance plans stacked together. Usually, it refers to having comprehensive, collision and liability insurance to get the most coverage possible on the Cedar City roads.

• Both comprehensive and collision auto insurance cover damages that occur to an insured vehicle, while liability can cover both driver and vehicle.
• Collision insurance covers the vehicle in case of an auto accident.
• Comprehensive insurance covers non-collision damages – vandalism, theft, hail damage, natural disasters, etc.
• Liability insurance covers the costs of both bodily damage and property damage to the victim in a collision.

Is my child covered under car insurance? Most insurance policies will also cover your passengers, including children and other drivers in your household. It’s a good idea to list any licensed drivers on your plan as “approved drivers” just to be safe.

Learn More About Insurance at Stephen Wade Cadillac

If you still have questions about auto insurance, don’t hesitate to ask our experts for help. We’re happy to chat about all things automotive, and you can contact us anytime. Want to talk in person? Stop by Stephen Wade Cadillac in St. George, just a short drive from North Las Vegas, NV, and discuss your options in detail!