Course: Insurance Planning
Lesson 5: Personal Auto and Umbrella Liability Policies
If I have liability insurance and I’m driving a vehicle that belongs to a charity (not my own vehicle) and I get into an accident, then my insurance covers this?
Liability coverage generally follows the car, not the driver. If I am driving the charity’s car and I’m “at fault” in an accident, the charity’s liability coverage is primary and my liability coverage is secondary. My liability coverage may kick in if the liabilities are higher than the policy liability limits of the charity’s auto policy.
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