Anyone who’s had a car has had to deal with car insurance questions. One common question that we hear all the time is “does car insurance cover the car or the driver?” While this answer is not true in all cases, the general answer is that car insurance covers the car, not the driver. We’ll go into the details and the exceptions so you can get through Metairie, New Orleans, or wherever you are without worrying about car insurance.
When you have someone else drive your car in Marrero, you are generally letting them drive on your car insurance. However, there are a few exceptions to this. For instance, if the person you lend your car to is under the influence of alcohol or drugs or has no or an expired license, you will be responsible for the damage. You can also exclude certain people from your car insurance to make sure that any damage they cause behind the wheel of your car is their responsibility.
What Does Full Car Insurance Cover?
If you’re asking “what does full car insurance cover?” you will find that it covers both your car and the car you damage in an accident. It comes from combining comprehensive and collision coverage, which covers the damage to your car, with liability coverage, which pays for damage such as injuries and property damage that happens to others. For this reason, you will pay more for full car insurance than you will for comprehensive plus collision or liability alone.
Some full car insurance packages will also include coverage for uninsured and underinsured drivers, but it is important that you check with your Gretna insurance company as to what you’re getting in a full car insurance package.
Drive Home Smarter With Leson Chevrolet
If you’re in New Orleans or Westbank, Leson Chevrolet is the authority in cars. We’ve got the know-how, from service to financing, to get you driving with peace of mind. We even have a great selection of used cars to stretch your dollar further. Getting in touch with us is as easy as filling out our online contact form. We hope to see you soon!