First of all a friend does not borrow your car without your permission- if they used it without your permission they really arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating that the person did not have your permission to use the car. Otherwise your insurance will cover the loss and your rate may jump or you may get cancelled. Your call- depends on how much the claim is and how good the friend is
well technically if it's without your permission it would be (and should be) considered stolen and therefore should be your friend's responsibility to fix everything up.
Yes
In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.
Generally speaking, if your insurance has to pay out, then there probably will be an increase. Good luck.
The answer should be yes to both parts of the question. You should notify them.
The owner's insurance will pay if he has collision coverage. It Doesn't matter who was driving. the owner will have to pay the collision deductible, unless he wants to press charges against his buddy for "stealing" the car in which case the owner will have to pay the Comprehensive deductible. If the owner has neither collision nor comprehensive, then the owner is out of luck. The buddy's (who borrowed without permission) insurance company is not responsible for anything. They were not insuring that vehicle only his liability (damage he causes to people and vehicles that he hits but is not occupying)
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
Generally yes, her insurer should cover it, but ONLY in the instance that it was driven WITHOUT permission. You must make that clear, and your friend must admit to that as well. Her rates may be hiked.
they sure can they can be used in a court case and insurance companies will also request these samples
I would not drive a man's car if his wife said I couldn't no matter what. Legally, the person who is the policyholder on the insurance and the owner of the vehicle has to give you permission to drive. If you drive it on a regular basis, you must be listed as a driver on the insurance policy. If you drive the car without permission, and have an accident, you will not have coverage under the insurance policy.
California is a mandatory insurance state. Under California tort law you would be able to be sued for not having insurance as mandated by law.