Insurance can be frustrating and confusing for most Chicagoland drivers. Because of that, many often have questions, like:
- What type of coverage is needed?
- What does full car insurance cover?
- Is my child covered under my car insurance?
- Is insurance expensive for my young child?
At Elgin Toyota, we are proud to offer the highest quality of service while we answer any questions you have regarding your insurance and its coverage.
Who Does Car Insurance Cover?
Does car insurance cover the car or the driver? This will depend on a couple of things, the main being the type of insurance coverage you have. This is because there is insurance coverage that covers the car and others that cover the driver. With that said:
- Comprehensive, collision, and liability insurance may cover the car and drivers who are not on the policy.
- Liability may cover the driver and provide coverage when the insured person is driving someone else's vehicle, like a rental car, dealership rental car, or a friend's car.
Why do we have liability coverage mentioned in both bullet points? It's because insurance policies sometimes cover the same situation, so one policy is often considered the primary coverage. The policy pays for everything up until it hits its limit, then the secondary coverage could cover the rest of the excess expenses.
Comprehensive vs. Liability
What does full car insurance cover? This is not a specific type of policy - it's a combination of coverage. Having comprehensive, collision, and liability insurance would be like having full coverage insurance. What's the difference between them?
Comprehensive and collision auto insurance covers the insured vehicle, as well as the damages that happen to the insured vehicle as a result of vandalism or an accident. Liability insurance coverage on the auto policy covers the driver no matter whose vehicle is being driven, given that its an eligible vehicle.
Learn More at Elgin Toyota
At Elgin Toyota, we understand that automotive insurance and coverage can get confusing. That's why our knowledgeable finance team is ready to help to ease the stress, and answer questions like, "How do you refinance a car loan?" or "Do I need personal injury insurance?" When you visit Elgin Toyota for your new or used vehicle purchase, we will help with any insurance-related, car-buying process, or leasing vs. financing questions you have. Contact us today!
