Does Car Insurance Cover the Car or the Driver?

When you invest in a car, you want to protect that investment, along with all of your passengers. Knowing how much coverage to purchase is one thing, but if you drive more than one vehicle, you’ll have to answer one very important question. Does car insurance cover the car or the driver? It depends on the plan you choose for your Scottsdale drives. We’ve broken down all the details below!

Who Does Car Insurance Cover?

In the unfortunate event of a collision in Scottsdale, you might be wondering ”What does full car insurance cover?” or “Is my child covered under car insurance?” Mercedes-Benz of North Scottsdale can help. Not only are we the source for Mercedes-Benz in the Mesa area, we’re also here to help you decipher your insurance coverage needs. Your insurance coverage depends on multiple variables, the main one being the type of insurance coverage you have purchased. Here’s an easy breakdown of the types of insurance coverage:

• Comprehensive, collision, and liability insurance may cover the car, including 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.

Insurance policies sometimes cover the same situations. Like, liability insurance is often included in larger insurance packages.

What Does Full Car Insurance Cover?

“Full car insurance” is a misnomer, and not a kind of policy you can purchase. If you’re looking for auto insurance coverage that is likely to cover the most incidents you and your car will encounter in Fountain Hills, you’ll need to purchase a combination of comprehensive, collision, and liability insurance.

• Comprehensive insurance will cover the insured vehicle against damage caused by weather, vandalism, or incidents in which the car wasn’t being driven.
• Collision insurance covers damage to the insured vehicle as the result of a wreck.
• Liability insurance covers the driver, no matter whose vehicle they’re driving.

What Car Insurance is Best for Me?

Each state has minimum insurance requirements. Arizona drivers are required to carry insurance coverage for bodily injury liability that protects people involved in an accident while you’re driving, property damage liability, uninsured motorist liability, and underinsured motorist bodily injury coverage. Comprehensive and collision coverage are optional. You can decide what works for you based on the value of your car.

Mercedes-Benz of North Scottsdale’s Finance Center is Here to Help

Whether you have questions about insurance coverage or financing a new Mercedes-Benz, contact the finance center at Mercedes-Benz of North Scottsdale. We’re here to help with all your auto finance questions and needs. We want you to get the best coverage for your money.