Both. Who ever insures the car, will mainly have responsibility to crash .
It depends on what state the accident was in. State law would determine who is responsible and loves
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be at fault.
If you are driving with a cast, particularly if temportary, your coverage or rates are not affected. While your insurance provider cannot exclude coverage if you are driving with a cast, state law require that you be able to drive safely and unimpeded. If the presence of a cast precludes this, you should not be driving. If you do, are involved in a collision, and it is found that you were careless, you may be found negligent in any civil claim that results. In turn, depending upon the payment that your insurer is required to make to the claimant, your rate (from which premium is derived) may increase.
It all depends on what insurance company you are with, what your driving record is, and how much or what coverage you have at that time. It can also depend on the age of the person in a collision and how long they have been driving. So the costs can defer in a few ways.
That's false.
False
You may get cheap collision car insurance if you have a great driving record. You may also receive discounts for car insurance if you take a safety driving course, or if your teenage children get good grades in school and takes the driver's courses for driving and if you list yourself as the primary adult driver under the policy.
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
Every person who was driving a vehicle involved in an collision on public/private property. It has to be filed within 10 days of collision.
Probably not. Driving drunk is a violation of both the law and your insurance provider's terms and conditions.
6 Source: National Safety Council Defensive Driving Course
County and city in which the car is garaged, age of primary driver and marriage status, driving history of drivers, replacement and repair cost of the make and model car involved, type of insurance coverage such as liability, comprehensive and collision and how much coverage.