The Compass Agency

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Heading out of town for the holidays? Before you hit the road, it’s a good idea to prepare your home for your absence. Take a look at five pre-travel steps that can help prevent costly claims this holiday season.

If you have any questions about your homeowner’s insurance coverage during the busy travel season, don’t hesitate to give us a call.

A festive tree brings joy to the season, but it also introduces real fire risks if not set up carefully. From proper placement to safe electrical use, following a few key precautions can keep your holiday both beautiful and safe. Swipe through to learn more ➡️

Wishing each of you a wonderful season. As always, give us a call with any questions or needs.