Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

In Alabama, does the car insurance follow the driver or the car?

My daughter’s car was hit by another driver and the car was damaged. The driver of that car was not the owner. Who is responsible?

Jun 15, 2018 Auburn, AL

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

In my experience, it's always the rule that car insurance follows the vehicle, not the driver. So, although the person who hit your daughter wasn't the owner of the vehicle, their car insurance would still apply in this situation. Meaning, your daughter would be contacting their insurance company to begin the claims process. If you're looking for more resources regarding the claims process, check out our guide to filing an insurance claim.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Does liability cover my damages caused by a windstorm?

Unfortunately, no. The damage to your car will not be covered if you only have liability insurance. Liability insurance only covers damages and injuries that you cause to others. There is no coverage to repair any damages to your car. Comprehensive coverage would cover your car for damage caused by…
Aug 16, 2018 Briliant, AL

Can my sister insure a car I own?

The short answer is yes, your sister can insure your car, but she will need to make sure you are listed as a driver as well as an additional interest. An additional interest is someone who has a financial stake in the car, and since you own the car you are financially invested in it. If you need, T…
Oct 24, 2018 Las Vegas, NV

Is a hydroplaning accident my daughter's fault?

Unfortunately, auto insurance companies list almost all single-vehicle accidents as at-fault on your claims report, meaning that this situation would likely be considered an at-fault collision accident. This is because there is no other party at-fault and this can be seen as a failure to maintain c…
May 15, 2019 Cranberry Township, PA

Can I insure a vehicle that I don't own?

Great question! You are correct that you will need a separate policy from your mom since you don't live together. As far as insuring the vehicle under your name, you shouldn't have a problem doing so. Here is how to handle this:Have your mom listed as an insurable interest:What this means…
Aug 29, 2018 Abilene, TX