What Does Car Insurance Cover?

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Is my boyfriend covered under my car insurance?

If your boyfriend operates your car occasionally, you may make the assumption that he is covered under your car  insurance policy. This is a natural assumption; after all, most car insurance policies cover other drivers who operate your vehicle, so your boyfriend should be covered by your policy for any damage he causes. However, there...

If your boyfriend operates your car occasionally, you may ma...

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Is my girlfriend covered under my car insurance?

If someone else drives your car, you could be in for an unpleasant surprise if that person is not covered by your auto insurance policy. For example, are you certain that your girlfriend is covered if she operates your vehicle? If she is not and causes an accident, you could be personally responsible for the...

If someone else drives your car, you could be in for an unpl...

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Do I need separate car insurance for every car I own?

If you own more than one car, do you need more than one car insurance policy? That question is a little misleading, and reveals a misunderstanding of just how auto insurance works. A better question might be, “What kind of insurance do I need for each car I own?” You may have different types of...

If you own more than one car, do you need more than one car ...

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Do I need different car insurance for off-road vehicles?

Many people enjoy riding dirt bikes, four-wheelers, snowmobiles, Jeeps, and other off-road vehicles. However, if you enjoy hitting the trails, don’t make a crucial error when insuring these vehicles. They are under the mistaken impression that their auto policy or homeowners insurance will cover damages caused to or by their operation of these vehicles. This...

Many people enjoy riding dirt bikes, four-wheelers, snowmobi...

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Will car insurance cover me driving somebody else’s car?

Whether you’re a college student borrowing your parent’s car, a friend swapping driving shifts on a long road trip or a designated driver coming home from a party, sometimes the occasion arises when you need to drive someone else’s vehicle. Most of the time, this happens safely and there are no concerns. Sometimes, however, accidents...

Whether you’re a college student borrowing your parent...

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Are off-road vehicles covered under typical car insurance?

Off-road vehicles are can be a lot of fun but, if you are not properly covered, it may cost you. They are not typically covered under a standard car insurance policy. You will need a special policy to cover any off-road vehicles you own such as dirt bikes, all-terrain vehicles, and 4x4s. Not all car...

Off-road vehicles are can be a lot of fun but, if you are no...

Does my car insurance cover stolen tires and rims?Post

Does my car insurance cover stolen tires and rims?

Stolen tires and rims will only be covered under your car insurance policy if you have the proper coverage in place. In other words, if all you have is the minimum liability required by your state, you are only covered for bodily injury, property damage, and personal injury protection as mandated. Rims and tires are...

Stolen tires and rims will only be covered under your car in...

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Am I automatically covered under a family member’s car insurance?

Car insurance can be expensive, and many people want to avoid purchasing their own auto insurance policy if it isn’t absolutely necessary. If you live with someone who already has car insurance, do you need to buy a separate policy? Do you have to be listed on their policy in order to be covered by...

Car insurance can be expensive, and many people want to avoi...

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Will my car insurance cover injuries to passengers?

When it comes to car accidents, damage coverage is very straightforward: Either a car will be repaired by insurance, or it won’t. Injury coverage is much more complicated, however, and depends upon a number of factors. Injury coverage is determined largely by state law, so specifics coverage will vary from one state to the next....

When it comes to car accidents, damage coverage is very stra...

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Are all drivers in the same household covered under my car insurance?

If you have a large family, you may be concerned about whether your car insurance will cover all members of your household. If you share a car with your spouse, should both of you be listed on the policy? If your children occasionally borrow the car, should you add them as drivers? What if someone...

If you have a large family, you may be concerned about wheth...

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