Buying a new or pre-owned car involves many financial decisions, and insurance is one of the most important factors in choosing a car for your family. Many Williston drivers ask, “What does full car insurance cover,” and, “Is my child covered under car insurance?” Ryan Chrysler Jeep Dodge gathered some vital information about insurance among our other car-buying tips so you know what you’re getting into when it comes to insurance.
So, does car insurance cover the car or the driver? The answer to this question depends on three major umbrellas of any form of insurance coverage: comprehensive, collision, and liability. Let’s look at the details you need to know before taking your new Chrysler, Dodge, RAM, or Jeep out on Stanley roads.
Obviously, the situations listed above can overlap if you’re driving rental cars and friend’s cars, hence the technical distinction between primary and secondary coverage. Secondary coverage in the case of overlap can sometimes “pick up” where the other coverage hit its limit and help get excessive expenses out of the way.
So, does car insurance cover the car or the driver? The best way to answer that question is to check your policy details closely with the help of a finance center. To restate the important “to-knows” here: the idea of “full coverage” is always an assembly of these fundamental three types of insurance, which are comprehensive, collision, and liability.
Do you have additional questions about auto insurance? We’re always happy to serve drivers from Williston to Dickinson when they need information on their insurance options for themselves and family members. Contact us Ryan Chrysler Jeep Dodge if to speak with our finance experts.
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