Although the driver’s insurance coverage is only included in the All Risk insurance, it can also be contracted additionally when subscribing to other types of policies. If you don’t know what this guarantee is and how it works, take a look at this guide.

Despite the fact that all vehicles must have, at least, Civil Liability insurance that covers personal damage suffered by a third party in the event of an accident, this guarantee will not be liable for any damage that the driver may suffer. responsible for the accident.

In that case, the policy that covers the person who was driving at the time of the accident is the driver’s insurance.

How does the driver’s insurance work?

The principle of driver coverage insurance is based on offering a guarantee to the driver of the vehicle responsible for damages in the event of a car accident.

Compulsory insurance and traditional policies do not cover the damages of the driver when he has been careless, when he has suffered an accident due to speeding, or when he has committed an imprudence, therefore, in the event of an accident, the person has no right to any type of compensation.

In this way, driver’s insurance is a type of coverage that is included in all Full Risk insurance and in most extended Third Party insurance.

It is important that you know that if your type of car insurance does not have this coverage, you can hire it additionally.

What is the driver’s insurance coverage?

As we have already said before, this type of insurance will cover the damages that the driver of a vehicle may suffer when he is responsible or guilty of the accident.

In the event of a claim, the driver’s insurance will offer complete coverage in the event of:

Temporary and permanent physical damage

In the face of any type of serious injury or in the event of a disability, whether temporary or permanent, the insurer will grant compensation that is usually around 15 thousand dollars.


In the event of the death of the driver, the beneficiaries of the compensation will be the family members themselves.


This coverage will take care of the urgent transfers of the driver of the damaged car to the emergency services, hospitalization expenses, pharmaceutical expenses, as well as any other expense derived from prostheses, glasses, dental prostheses, or orthopedic devices.

Legal defense

This coverage will allow the driver responsible for the accident to obtain professional help and assistance in case of a presentation to the courts of law.

Why buy this coverage?

The best reason why it is important to have driver’s insurance coverage is based on the fact that with it you will be protecting yourself and your family.

There are many types of insurance on the market whose interest is the protection of the vehicle itself, however, in this case, we are only talking about material damage and, therefore, recoverable.

It is very good to have glass coverage that protects the glass of your car, or insurance against fire or, even more, to have insurance that protects third parties, but where is the policy that will protect you and your family?

When trying to buy the best car insurance, many people opt for the most basic coverages with the idea of ​​saving a few dollars, however, in the event of an accident where you are responsible, you will not be entitled to any type of compensation.

In case you have Life insurance, the driver’s coverage can be set aside since you already have a backup in the event of an accident.

On the contrary, if you do not have Life insurance that can protect you or your family in the event of an accident of this type, subscribing to a driver’s coverage may be the solution.

Given this, it is best to review in detail the offers that the market proposes and to verify the amount of compensation for any of the coverage.

Between one insurer and another, the base amounts can have differences of up to 150%.


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