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Does Auto Insurance Follow the Car or the Driver? [Video]

Does auto insurance follow the car or the driver

Welcome to today’s episode of The Murray Group Mailbag, where we answer your questions about auto, home and all kinds of insurance. Today’s question comes from Thomas in Troy, NY and Thomas asks:

Does auto insurance follow the car or the driver?

Watch the video below or read the video’s transcript if you don’t have the capability of watching the video. If you’d like to submit your own question, you can do so in the comment section below this post, on our Facebook page or you can email us at

Does auto insurance follow the car or the driver?

Watch this short video to get the whole answer.

Video Transcript:

Hello and welcome to another episode of the Murray Group Mailbag. My name is Ryan Hanley. I am the director of marketing and sales here at the Murray Group Insurance Services and and our mailbag feature is very simple. Our clients, prospects, people from the community ask us questions every day about insurance and insurance-related products, and We felt that it was very important that we answered these questions, and we wanted to put them out onto YouTube and our blog to make them accessible to anybody.

So that’s what we did. and today’s episode is going to be from Thomas. Thomas is from Troy Thomas asked the question, “Does auto insurance follow the car or the driver?” So this is a question for anyone who’s ever let a friend, and relative borrow their car, probably this question goes through their head, what happens if they get into an accident, right?

that’s where Thomas’ question is coming from. The answer to that question is insurance first follows the car. So If Thomas lets his buddy down the street take his car for a drive, and his buddy gets the car into an accident, then Thomas’ insurance is going to be the first one to respond based on his limits.

Now his buddy could put a claimant under his own company, but in most instances, it’s going to be Thomas’ insurance, the insurance on the actual car itself, that follows or that responds first and provides kind of the first level of defense and that’s assuming that Thomas’s friend actually has auto insurance.

So, to answer your question, Thomas, this is pretty straight forward stuff. And this is particular to NY state, so if anyone is watching this who is outside NY state, the rules that govern may be different in your state, but in New York state insurance, auto insurance, personal insurance, personal auto insurance, follows the car, so if you let someone else borrow your car and take it for a drive and they get into an accident, your insurance is going to be the one that responds and unfortunately If you have increase or adjustment based on that incident or accident, you’re going to be the one that’s responsible for that.

So, just think about that when you’re letting people drive your car, maybe you want to second-guess letting your irresponsible friends and family take your car for a joy ride. My name is Ryan Hanley. I’m the director of marketing and sales here at the Murray Group Insurance Services. This has been our Mailbag feature.

And if you have a question you would like answered on a future episode of the Murray Group mailbag. Simply leave your question in the comments below, whether you are watching this on YouTube or on our web site. I check the comments in both places and I collect all those questions and I use them for future episodes.

So just make sure you leave your name and your town if you’d like that to be included in the question and I will make sure it gets on a future episode, as long as it’s appropriate. So for all of us here at the Murray Group to all of you out there watching, have a very, very good day.

This video is part of an ongoing series dedicated to helping consumers get answers to their insurance questions.

If you’d like to follow along on YouTube, connect below:

If you have questions about your insurance program or if you would like to receive a proposal for auto insurance or home insurance coverage, please give us a call at 518-777-7777 or email us at You can also click here to contact us through our website.

We’re here to help you find peace of mind.

Thank you and good luck,

Ryan Hanley, CIC

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