When you get behind the wheel of a car, you are taking on a huge responsibility. Not only do you have to be aware of the traffic around you, but you also have to be aware of the risks posed by other drivers. One of the biggest risks that drivers face is car insurance. Depending on your driving history and the type of car you drive, your car insurance may not cover driver injuries. Fortunately, there are a few things you can do to protect yourself and make sure your car insurance covers driver injuries. In this article, we will discuss how to find out if your car insurance will cover driver injuries and what to do if it doesn’t.
What is Coverage?
Coverage is a term used in both car insurance and personal injury protection (PIP) policies to describe the types of expenses that are typically covered by the policy. Car insurance coverage typically includes damage to your vehicle, harms done to other drivers and passengers, and any costs associated with getting your vehicle fixed. PIP coverage may include expenses for medical care, lost income, and any costs associated with taking time off work.
When you buy a car insurance policy, be sure to ask the agent about coverage for a rental car. Many insurers will not cover rental cars if you have personal injury protection (PIP) coverage. This is because PIP only covers expenses related to injuries you sustain while driving your own vehicle. If you accidentally hit someone with your rental car, their PIP coverage may help pay for damages they sustained as a result.
Types of Coverage
There are several types of car insurance coverage, and each one offers different benefits.
The most common types of coverage are liability insurance and collision insurance. Liability insurance covers you if someone else is legally responsible for damages you cause in an accident. Collision insurance covers the costs of repairing or replacing your vehicle if it gets in a crash with another car.
Other types of coverage include comprehensive, which covers damage to your car that isn’t caused by another car, and uninsured motorist, which pays for damages you suffer when someone hits you while you’re driving without insurance.
Is the Driver or the Car Covered?
There are a few different types of car insurance policies. Each type offers its own benefits and drawbacks. Here’s a look at each:
Collision Coverage: This type of policy covers damage to the other vehicle when it is involved in a collision. It usually includes coverage for the driver and the car.
This type of policy covers damage to the other vehicle when it is involved in a collision. It usually includes coverage for the driver and the car. Comprehensive Coverage: This type of policy covers damage to your car regardless of who was responsible for the collision. It includes coverage for the driver, your belongings inside the car, and any damage done to any other property on or near your car.
This type of policy covers damage to your car regardless of who was responsible for the collision. It includes coverage for the driver, your belongings inside the car, and any damage done to any other property on or near your car. Uninsured/Underinsured Motorist Coverage: This type of policy offers protection from damages caused by an uninsured or underinsured motorist. If you are hit by an uninsured motorist, this coverage will help pay for damages that exceed your bodily injury liability limit (your legal responsibility if someone is injured in a crash). If you are hit by an underinsured motorist, this coverage will help pay for damages that exceed your auto insurance limit (the amount you are legally required to carry in case of a crash).
How Much Does Car Insurance Cost?
If you’re like most people, you think your car insurance covers both the car and the driver. But this isn’t always the case. In fact, certain types of car insurance don’t cover drivers at all, while other policies only cover vehicles. And even if your policy does cover drivers, it might not cover you if you get into an accident while driving the car uninsured.
When shopping for car insurance, be sure to ask your agent what type of coverage you actually have. Many policies offer optional add-ons that can increase the cost of coverage by hundreds or even thousands of dollars. For example, comprehensive coverage will protect your vehicle from damage in events such as a collision with another object or theft. However, this type of coverage can be expensive and is typically not required on most policies.
Some states require liability insurance for all drivers regardless of whether their vehicles are covered by a policy. If you’re driving a vehicle that isn’t covered by your policy and get into an accident, you could find yourself liable for costs associated with the accident, including damages to other people or property. Make sure to check with your agent about any mandatory state requirements before buying insurance.
Overall, it’s important to do your homework when shopping for car insurance. By knowing what types of coverage are available on different policies and understanding how much each adds up premiums can quickly become expensive.
Do you know whether your car insurance covers driver or car damage? If you’re driving, most likely your policy will cover the driver. However, if you’re using someone else’s car, like when renting a car through a company like Airbnb, it’s possible that the rental company would be responsible for any damages to the car. Before taking any risks, it’s always best to check with your insurer to see what they require before setting out on a road trip.