Does coverage under Part A of the Personal Auto Policy follow the car or the person?

Coverage under Part A of the Personal Auto Policy is designed primarily to follow the insured vehicle rather than the individual driving the vehicle. This means that when an accident occurs, the policy provides coverage based on the specific car that is insured, regardless of who is driving it, as long as the driver has permission to use the vehicle. This is a crucial aspect of the Personal Auto Policy, as it provides a level of security to policyholders, knowing that their insurance will apply in the event of a loss involving their insured vehicle.

While there are situations where coverage can apply to a driver, typically this is only when the vehicle itself is insured under the policy. This ensures that as long as the policyholder maintains coverage on the car, that coverage remains intact for anyone who drives it with permission.