Is insurance attached to the car or the driver?

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.

Can I drive someone else’s car with their insurance?

As we’ve seen, 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 a friend borrow my car and be insured?

Whether you’re allowing a friend to borrow your car or the borrower of a friend’s car, the general rule of thumb is that a car insurance policy is associated with the car, not the driver. Therefore, if a friend borrows your car, they’re likely covered by your insurance policy.

Is Oregon a no fault state for car accidents?

Oregon Is a “Fault” Car Accident State

This means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver’s insurance carrier will absorb these losses, up to policy limits).

Is insurance attached to the car or the driver? – Related Questions

Is Oregon a PIP state?

PIP insurance is required for all Oregon drivers. Drivers need to have at least $15,000 of PIP coverage. PIP insurance can cover medical expenses, lost wages, child care and more. Oregon PIP deductibles are capped at $250.

How much is car insurance monthly in Oregon?

The average price of car insurance in Oregon is $83 per month for state-minimum coverage and $154 per month for a full-coverage quote.

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