Does Car Insurance Cover the Car or the Driver?

Are you new to auto insurance? If so, it’s likely that you’ll have many questions, and at Rallye BMW, we’re here to answer them. In the following FAQ, we’ve identified the most common questions that we get from our Syosset neighbors and provided quick answers to help you navigate insurance with ease. These questions include:

• Does car insurance cover the car or the driver?
• What does full car insurance cover?
• Is my child covered under my car insurance?

Once you’re done reading, don’t hesitate to reach out to our finance team if you have more questions!

Who Does Car Insurance Cover?

So, does car insurance cover the car or the driver, and is your child covered under your car insurance? The answers to these questions depend on a few factors. There are a variety of different types of insurance plans available to Roslyn drivers. The most fundamental, however, are full insurance and liability insurance. What your insurance will cover depends on which option you choose. But what does full insurance cover, and what does liability insurance cover? Let’s take a closer look:

• Full coverage (comprehensive insurance) covers any damages to your vehicle and anyone in it. It also covers damages to other vehicles, property, or people who are involved in the accident.
• Liability insurance only covers damages to persons or property outside of your car. That said, a few plans include coverage for drivers when renting a car or driving a friend’s car.

Is Your Child Covered Under Car Insurance?

If you have full coverage and your child is in the car during an accident, any medical attention they require is covered by insurance. But what if you have a teen and are wondering if they’re covered by your insurance plan when driving your car on Jericho streets? They’re covered, so long as you’ve added them to your policy.

Do You Have More Questions About Auto Insurance?

Let’s summarize. Does car insurance cover the car and driver? Yes, but you’ll need full coverage if you want to cover your party as well as the party of the other car involved in the accident. If you have further questions about auto insurance, call Rallye BMW at (516) 226-7651. But before you go, read our used car buying checklist and learn about the differences between buying used and certified pre-owned!