Generally, car insurance follows the vehicle, not the driver. So the owner of the at fault vehicle is usually primarily legally responsible for all accident caused injuries and property damages. The owner's car insurance usually pays.

However, if the car owner's insurance policy limits are insufficient to cover all accident injuries & damages, then the at fault driver's car insurance can be triggered to cover any remaining accident injuries & damages.

As long as the car owner has insurance coverage, anyone who drives it will be covered too. But there are two exceptions to this rule: drivers who drive the car without permission, and drivers specifically excluded by the car owner's insurance policy. Such drivers are not covered by the car owner's insurance .

Lynnwood, WA Car Accident Lawyers

Contact Lynnwood car accident & personal injury lawyer Paul Hanson to learn more. He has many years experience handling these issues in car accident claims.