Does Comprehensive Insurance Follow the Car or the Driver?

Does car insurance cover the car or the driver? Although most people presume that insurance automatically covers the person driving, the fact is different. In India, comprehensive car insurance generally tags along with the car, not the driver. This distinction makes a big difference in what happens to claims following accidents, theft, or damage. 

A comprehensive car insurance typically follows the car and not the driver. There are a few scenarios which might confuse you and lead you to ask this question. Let us read more!

Below are the two primary reasons why comprehensive insurance follows a car:

A permissive driver is a person to whom you have given your permission to drive a car insured under your name. So, irrespective of the type of car insurance policy you have, it remains valid if anyone else is driving your car.
This validity allows you to permit your friends or family members to drive your car and have the insurance coverage protect it.

Four factors impact permissive norms in car insurance. This person whom you are permitting to drive your car needs to:

There is one condition when a car insurance policy follows the driver that is, renting a car for personal use. To get this cover, you need to make sure that your insurance policy considers this as a criterion of inclusion under your coverage.

There are two cases when a car insurance policy follows the car:

To answer your question, does car insurance cover the car or the driver? Comprehensive insurance in India generally follows the car, not the driver. Your policy covers damages as long as the driver has valid permission. However, policy-specific clauses can impact claims.
Thus, by understanding all terms of your insurance, you can select the best insurance that covers both car and driver to ensure proper protection in any situation.