Does Automobile Insurance Follow the Car or the Driver?

By Gary Wickert | June 5, 2014

  • September 27, 2017 at 9:06 pm
    Scarlet says:
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    My ex-husband was driving a vehicle that belonged to his brother who lives in another state. He caused a serious accident. The other person lived but had multiple injuries. My ex das been charged with DUI of drugs, possession of meth and 1st degree assault. His blood test came back positive for 4 different narcotics. His brother had full coverage insurance on the vehicle he was driving. My ex only had liability insurance on his truck. Will his liability coverage follow him and cover any of the damages in the accident?

  • October 4, 2017 at 2:21 pm
    Lynn says:
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    If I am a passenger in my friends vehicle that is owned and registered to the company he works for and we are hit by an uninsured or underinsured third party can I file a claim under my own personal auto policy? The company vehicle does not carry Uninsured or underinsured coverage.

  • October 16, 2017 at 1:59 pm
    Durwood M. Dugger says:
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    It was my understanding that liability insurance primarily covers the damage done by the insured driver – to other drivers and their property.

    There seems to be no definitive legal opinion or decisive case law (shame on our legal system – or lack thereof) as to whether liability insurance of the driver is – “car insurance,” or whether it is “driver insurance.” This lack of legal understanding is used by car insurance companies to abuse their customers.

    Additionally if “liability coverage follows the car” (as many greedy insurance companies would prefer it to serve their interests only), then there would be no need to have liability coverage for any additional drivers driving a car because the car liability insurance follows the car regardless of the driver.

    Right now car insurance companies seem to be in the embarrassing position of having been caught red handed in trying to collect premiums both ways. Just a gouged customer view point.

  • February 18, 2018 at 8:47 am
    Greg Horner says:
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    Insurance Companies continue to rip off the American people…Case in point…I have 3 vehicles, and 3 liability auto policies….What a rip off! ..If I’m in an accident liability Insurance doesn’t pay for damage to my vehicle ….so, with that said, what difference does it make what I drive. One liability police should cover everything i drive…

  • February 19, 2018 at 5:50 pm
    sharon graham says:
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    I was involved in an accident 10-10-17,it was not my fault,the other driver was cited for failure to control.there was 2300.00 damage to my vehicle.I ended up turning it in on my insurance so I could get my car fixed so I could have something to drive.i had to pay 500.00 deductible.the driver had triple a insurance,the car she was driving belonged to her parents,she was taking her mother to the dentist,the car she was driving was covered by progressive ins.I have Erie ins.and had to pay 500.00 deductible.Erie said they have turned all paper work over to her ins,i don’t know why they haven’t contacted progressive ins.this is a pain and no one tells me the same story.hope you can help

  • October 15, 2018 at 8:46 pm
    Dominic says:
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    If I were operating a friends vehicle and was involved in a single vehicle car accident and the friend refuses to file a claim with his insurance company can I use my Property Damage Liability insurance to cover the damages.

    Thank you

  • October 20, 2018 at 8:56 pm
    brenda blanchard says:
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    was driving brother in laws vehicle and I backed into someone- he did not have insurance on his vehicle- was not aware– However I do have liability/collision/comprehensive coverage on my vehicle with me as a covered driver– Would I be able to file this on my insurance since I was the driver?

  • February 6, 2019 at 9:48 am
    johnny says:
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    the fact that no one knows, even the adjusters, tells me that in the event of an accident they have so many ways to avoid paying out.

  • March 26, 2019 at 1:08 pm
    Timma says:
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    @Johnny…my dad always called insurance legalized extortion.



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