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?
Answer
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
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.
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