At Main Street Independent Insurance Agencies Inc., serving Ft. Worth, TX, we often get asked a surprisingly tricky question: does auto insurance follow the car or the driver? The answer isn’t always straightforward, but understanding the basics can help you make smarter decisions about your coverage.

The General Rule: Insurance Follows the Car

In most cases, auto insurance follows the vehicle. This means that if you lend your car to a friend and they get into an accident, your insurance policy will likely be the one to respond first. Liability, collision, and comprehensive coverage are typically tied to the car itself, not the person driving it.

When the Driver’s Insurance Might Apply

There are situations where the driver’s insurance may be involved. If the driver has their own policy, it may act as secondary coverage—kicking in only after your policy limits are exhausted. This is especially important to consider if someone borrows your car regularly or for extended periods.

Exceptions Can Be Complicated

It’s important to note that not every situation is straightforward. For example, if someone uses your car without permission or if they’re excluded from your policy, your insurance may not cover damages. That’s why it’s crucial to know who is allowed to drive your vehicle and to review your policy details carefully.

Let’s Talk Coverage

Auto insurance can feel complex, but you don’t have to navigate it alone. At Main Street Independent Insurance Agencies Inc., serving Ft. Worth, TX, we’re here to answer your questions and help you feel confident in your coverage. Contact us today to ensure your policy fits your real-life needs.