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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
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Ava Lynch

Senior Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty

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

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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