Car insurance usually follows the car in Illinois. The types of car insurance that follow the car in Illinois are bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive.
Does your car insurance follow you 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.
Does insurance follow vehicle?
In California, insurance typically follows the car, however not all cases are the same. If you’re planning to lend your car to a family member or friend, or borrow one from someone else, remember that it’s wise to review both of your insurance policies first.
What happens if someone else is driving my car and gets in an accident in Illinois?
If the friend or family member who borrowed your car is at fault in a crash, your insurance will, unfortunately, be involved. You’ll file a claim against your own policy, pay your deductible, and rely on their insurance only if yours doesn’t cover all of the costs.
Does the car you drive affect insurance?
The car you drive – The cost of your car is a major factor in the cost to insure it. Other variables include the likelihood of theft, the cost of repairs, its engine size and the overall safety record of the car. Automobiles with high quality safety equipment might qualify for premium discounts.
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.
Can someone drive my car if they are not on my insurance progressive?
Progressive insurance will cover someone else driving your car in most cases, but it can depend on coverage types and limits. … It’s possible your Progressive car insurance offers less or no coverage for drivers not listed on your policy. A claim won’t be covered if the person should have been listed, for instance.
Can other people drive my car?
Usually, yes — your car insurance coverage should extend to anyone else driving your car. … So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.
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.
Can you drive any car if you are fully comp?
If I have fully comprehensive car insurance can I drive any car? No. … So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law. Before getting behind the wheel of another car, speak to your insurer to find out what the situation is.
Does auto insurance follow the car or the driver in Illinois?
In Illinois, car insurance follows the car, not the driver. If a family member or anyone covered under the policy uses the car and is involved in a collision, they will be covered.
Can you drive someone else’s car without insurance in Illinois?
What Happens if You Drive Someone Else’s Car Without Insurance? In Illinois, car insurance follows the car, so as long as the vehicle you are driving is insured, you will not face a penalty for not having your own insurance coverage.
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.
What affects one’s car insurance premium?
Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.
Where do insurance companies get money?
Most insurance companies generate revenue in two ways: Charging premiums in exchange for insurance coverage, then reinvesting those premiums into other interest-generating assets. Like all private businesses, insurance companies try to market effectively and minimize administrative costs.
Does an older car cost more to insure?
Do Older Cars Cost More to Insure? Your rates for comprehensive coverage or collision coverage on an older vehicle may be lower than what you’d pay for those same coverages on a newer car that’s worth more. … Older cars are typically worth less, as their value depreciates over time.