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Does Car Insurance Cover the Car or the Driver?

car insurance

Every Los Angeles driver needs to know how your car insurance protects you and what it protects you from, but many can find insurance frustrating or confusing. Drivers often come to the Kia of Cerritos finance center with questions like:

  • 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?

We here at the Kia of Cerritos finance center want to do our best to answer any questions you have. Read this article to learn more answers to questions like “Does car insurance cover the car or the driver?” and other facts. Feel free to contact us with any questions; we’ll be happy to help.

What Does Full Car Insurance Cover?

You may be asking, “does car insurance cover the car or the driver?” A few different factors can affect the answer to that question; the most important being the type of insurance coverage that you have. Depending on your insurance coverage, you’ll either have cover for the car or the driver will be covered. Here are some specifics:

  • Comprehensive, collision, and liability insurance may cover the car and drivers who are not on the policy.
  • Liability insurance 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.

Do you see how liability coverage is mentioned in both bullet points? This is because when you have multiple insurance policies and get into a situation in the Carson area or elsewhere, they will sometimes both cover you. One policy is usually considered the primary coverage, and it will pay for everything up until it hits its limit. Then, the secondary coverage takes care of the excess expenses.

Comprehensive Insurance vs. Liability Insurance

But, what does full car insurance cover? Full car insurance is actually a misnomer. What we think of as full car insurance is actually a combination of coverage rather than one policy. For instance, If you were to have comprehensive, collision, and liability insurance, then that would be like having full coverage insurance. However, what’s the difference between them?

Comprehensive and collision auto insurance

These types of insurance cover the insured vehicle. They both cover damages that happen to the insured vehicle if it is vandalised or if you get in an accident in Orange County.

Liability insurance

This coverage on the other hand, covers the driver no matter whose vehicle is being driven, as long as it’s an eligible vehicle under the policy.

You may still be asking, “Is my child covered under car insurance?” That can depend on your specific policy, but if your child has liability insurance, then they are covered.

Learn More From The Finance Team at Kia of Cerritos

It’s completely understandable if you still have questions, this is a complex topic. Feel free to call us at %%di_phone%% and we’ll do our best to answer them. Our expert team is ready to help ease the stress of finding the right car insurance for you. If you want more information on buying a new or used car, be sure to check our car buying tips.

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