Car insurance is an indispensable part of driving. Not only do they provide peace of mind, but they are also legally required in most countries. A common question that arises among car owners is whether their car insurance covers other drivers besides themselves. Let's delve deeper into what car insurance covers and whether there are additional insurances to cover others as well.
The basic form of car insurance is liability insurance, which stands for Third Party Liability. This insurance covers damage you cause to others during an accident in which you are involved as the driver. In other words, if you accidentally hit another vehicle or, worse, injure someone, your liability insurance will cover the costs arising from that damage. This insurance is mandatory for all car owners and is intended to cover third-party damage. But what if you are not the only driver of the car? What if you lend your car to a friend, family member, or colleague? Does the insurance still cover the damage they cause? Fortunately, the answer is yes, in most cases. As long as you have given permission to someone else to drive your car and they get into an accident, the car remains covered under your liability insurance. This means that damage to other vehicles or persons is still covered, even if you were not behind the wheel at the time of the accident.
However, it is important to emphasize that this only applies to damage caused to others. If the driver to whom you have given permission to use your car causes damage to your own vehicle, this is not covered by the liability insurance. For damage to your own car, you need more comprehensive insurance.
A WA insurance, fully known as Legal Liability Insurance, is an insurance that covers the financial consequences of damage you cause to others with your vehicle. In the Netherlands, it is mandatory for every vehicle owner to have at least a WA insurance. This requirement is stipulated in the Motor Vehicle Liability Insurance Act (WAM). But what exactly does this insurance cover and why is it mandatory?
A damaged windshield can be a significant setback for car owners. Whether it's a small crack from a stone chip or a more substantial issue from an accident, replacing your windshield is often necessary to keep driving safely. But did you know that the cost of this repair can vary greatly depending on your car insurance?
