Car insurance typically provides coverage for both the driver and the car, but the specific details may vary depending on the policy and the insurance provider. In general, car insurance is designed to protect against financial loss in the event of an accident or damage to the vehicle. Here are some key points to consider:
1. Liability Coverage: This type of coverage is required in most states and helps pay for damages or injuries caused by the insured driver to others. It typically covers the driver's legal responsibility for bodily injury or property damage.
2. Collision Coverage: This coverage helps pay for repairs or replacement of the insured vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault.
3. Comprehensive Coverage: Comprehensive coverage helps pay for damages to the insured vehicle that are not caused by a collision, such as theft, vandalism, fire, or natural disasters.
4. Personal Injury Protection (PIP) or Medical Payments Coverage: This coverage helps pay for medical expenses for the driver and passengers injured in an accident, regardless of who is at fault.
5. Uninsured/Underinsured Motorist Coverage: This coverage helps protect the insured driver if they are involved in an accident with a driver who does not have insurance or has insufficient coverage.
It's important to note that the specific coverage and limits can vary depending on the policy and insurance provider. It's always a good idea to review your policy documents or contact your insurance provider directly to understand the exact coverage provided by your car insurance policy.