Is it the car or the driver that is insured?

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.

Do I have to add my teenager to my car insurance in Arkansas?

We require that all licensed drivers in the household be added to the policy, but teens with a learner’s permit don’t need to be added. However, if your young driver is in any stage of the GDL program (or has a learner’s permit), it may be a good idea to add them to your car insurance policy.

Does car insurance follow the car or the driver progressive?

But their insurance only kicks in after the limits of your Progressive policy are met. Collision and comprehensive coverage from Progressive also follow the car, so you’ll have to file a claim using your policy to get your own vehicle repaired or replaced if someone else gets into an accident while driving it.

Is Arkansas an at fault state?

Arkansas is an “at fault” state. This means that the person responsible for the accident is also responsible for the damages they have caused. An at-fault insurance policy will cover damages and injuries to the victims of the car accident.

Is it the car or the driver that is insured? – Related Questions

What happens if the person at fault in an accident has no insurance in Arkansas?

Uninsured motorist coverages cover you and your automobile if the other driver is at fault and does not have liability insurance. Underinsured motorist coverage gives you additional protection if the other driver is at fault and doesn’t have enough coverage to cover your injuries.

Who is at fault in a rear end collision in Arkansas?

Juries typically rule these cases against the rear driver unless the driver in front did something out of the ordinary to take a share of the blame. Even though the odds are usually stacked against the rear driver, the rear driver may be able to claim the front driver slammed on the brakes or backed into them.