Anamarie Waite, Car Insurance Writer
@anamarie.waite
Car insurance usually follows the car in Missouri. The types of car insurance that follow the car in Missouri are bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive. You’re required to carry bodily injury liability, property damage liability, and uninsured motorist protection in Missouri.
If you let someone borrow your car and they cause an accident in Missouri, bodily injury liability insurance pays for injuries to the other driver and their passengers. Property damage liability insurance will pay for damage to the other driver's car. If the person who borrowed your car causes damage that exceeds your coverage limits, their liability policy can act as secondary coverage. But their coverage only kicks in after yours is tapped out.
You won’t need to use your PIP or MedPay coverage if someone caused an accident while driving your car because PIP and MedPay follow the driver. You will have to use your collision and comprehensive insurance to pay for damage to your car, though. These optional coverage types pay for your car to be fixed no matter who was driving, but it is a claim on your policy.
It’s always a risk to lend your car to someone else, because you could definitely end up filing a claim using your own insurance in Missouri. When someone borrows your car, they also borrow your insurance coverage in most cases.
People also ask
Does car insurance follow the car or the driver?
Car insurance follows the car, not the driver, in most cases. There are a few situations where car insurance follows the driver, though, such as when the car’s insurance limits are exceeded, in which case the driver’s coverage can be used to fill in the gaps. There’s also some disparity from company to company – your policy might provide less coverage for other drivers, or even no coverage at all.
It’s advisable to review...
read full answerWhat happens if someone else is driving my car and gets in an accident?
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage. Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Insurance Options When Someone Crashes Your Car
... read full answerDo I have to add my teenager to my car insurance?
Yes, you will likely have to add your teenager to your car insurance when they first get their permit and start driving. Some states - including Illinois, Indiana, Maryland and others - allow insurance companies to require that customers list a teen driver on their policy when the teen receives a learner's permit. However, different insurers differ on when you have to start paying extra for them.
The bottom line is that you should...
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