Does insurance follow the car or the driver in Virginia?

Car insurance usually follows the car in Virginia. The types of car insurance that follow the car in Virginia are bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive.

Does car insurance go with the driver or the car?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

Can you get car insurance if the car is in someone else’s name in Virginia?

Non-owner car insurance is a form of liability coverage that protects you if you get into an accident while driving someone else’s car. In Virginia, non-owner insurance can pay for injuries and property damage that you cause others, but it won’t pay for damage to the borrowed car or your medical expenses.

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Does my insurance cover other cars?

Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.

Is car insurance mandatory in the state of Virginia?

Virginia Code § 46.2-706 requires all Virginia registered motor vehicle owners to have motor vehicle liability insurance or enough money to pay for any losses that may result from an automobile accident.

Can you get insurance on a car you don’t own?

If you’re looking to insure a car you don’t own, the process is fairly straightforward. … State an additional interest: You can add the owner of the vehicle to your own insurance policy as an additional interest. This is the easiest and most common way to get insurance for a vehicle that isn’t yours.

Do you need insurance to drive someone else’s car?

You do not need your own car insurance policy to drive someone else’s car every once in a while. However, if you frequently drive someone else’s car, you might want to consider getting non-owner car insurance.

Can I drive my girlfriends car?

Some drivers will be covered under your policy as long as you have given them permission to drive your car. This is considered “permissive use.” These drivers may include immediate or extended family, friends, or even a boyfriend or girlfriend who doesn’t live with you.

Can you drive another person’s car?

A person can legally drive your car if they are a named driver on your policy. It’s easy to add a named driver to your policy. … You’ll need their driver’s licence and past driving history details to do so. If they are not a named driver on your insurance then the policy will provide no cover if they are driving.

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Does being fully comp mean you can drive any car?

Can I drive another car with comprehensive insurance? … Having fully comp insurance on your own vehicle doesn’t mean that you’re fully comp on someone else’s. If your insurance provider does allow you to drive a different vehicle, it’s likely that they will only provide third party cover as a maximum.

Is Virginia a no fault state?

Virginia is a “Fault” Car Accident State

Virginia follows a traditional “fault”-based system when it comes to financial responsibility for losses stemming from a car accident: injuries, lost income, vehicle damage, and so on. … by filing a personal injury lawsuit in civil court against the at-fault driver.

What happens if you get into a car accident without insurance in Virginia?

Driving without insurance means you take full financial responsibility if you cause a car accident. You will have to pay out of pocket for the other person’s vehicle repairs or replacement and medical bills, not to mention your own expenses if you also suffered damages.

Does Virginia require full coverage insurance?

It is illegal to drive a car in Virginia without at least the minimum amount of liability coverage required by law: Bodily injury: $25,000 per person and $50,000 per accident. Property damage: $20,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.