Understanding the details of your auto insurance policy can seem complicated, but these auto insurance tips give you the roadmap you need to make sense of it all. Uninsured motorist coverage? Auto medical payments? Liability and property damage? Let our expert authors explain it for you in plain English. If you’re shopping for a policy and wondering about terms like excluded drivers, deductibles, or GAP insurance, our articles make clear what you might be buying, and whether you need it. If you already have insurance, find out exactly how your particular policy protects you, from collision coverage to bodily injury, and what you could be liable for.

What Auto Insurance Actually Covers: Does Car Insurance Cover the Car, the Car’s Driver, or the Car’s Owner?

What Auto Insurance Actually Covers: Does Car Insurance Cover the Car, the Car’s Driver, or the Car’s Owner?

In general, when you purchase auto insurance, you are buying it to cover the car, not the person who is driving it.  If the car is involved in an accident, you’re covered.  If you are injured in that car, you’re covered.  If someone else is injured in that car, he or she is covered.  If someone is injured by that car, there is coverage.  There are some gray areas, but this is the general rule. 

Then what’s the driver got to do with it?

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Auto Insurance Coverage in Mexico: Does your Insurance Policy Travel With You From the U.S.?

Auto Insurance Coverage in Mexico: Does your Insurance Policy Travel With You From the U.S.?

You may be among the many United States residents who travel to Mexico whether for business, pleasure, or a combination of the two. One frequently asked question is, Does my auto insurance cover me in Mexico? The answer to that varies depending on your state and your insurance carrier.

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