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If you are the driver of a friends car involved in an accident are you covered under your insurance or the owners insurance?
Wiki User
∙ 14y ago
depends on the company and the details of the accident. most commonly the owner of the vehicles' insurance will pay the claim and then subrogate (recover money paid out) against the drivers insurance company.
for example, let's say you have state farm and i have allstate. you are borrowing my car and get into an At Fault accident that cause $10,000 in damages. allstate will go ahead and pay the $10,000 to the other party. once that is done allstate will basically send a bill to state farm for the $10,000 they paid out.
Wiki User
∙ 14y ago
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Does my insurance premium go up if you are involved on an accident which i borrowed a friends car?
If the accident goes on your driving record, yes.
Are you covered by a friends insurance if you borrow their car and get into an accident?
Yes, unless you are under the influence of alcohol or drugs
Do you have auto insurance if you are on someone else's insurance policy?
Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think you'd be covered in an accident unless that person is your girlfriend, boyfriend.
What happens if your child is driving a friends car without permission and is involved in a car accident and your child does not have car insurance?
If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.
You have no car or insurance if you drive a friends car are you covered by their insurance?
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
If a friend drove your vehicle when there was no insurance and was involved in an accident who is liable for the cost to replace the car?
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
If you have an accident driving your friends car who insurance covers?
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
What happens if you are driving a friends car who has insurance are you covered?
As long as you have a license. The insurance follows the vehicle, not the driver.
What happens if I'm driving my friends car and i get into an accident but my license is suspended will her insurance cover the damage?
It all depends on her insurance cover
What happens if you don't have insurance and you get into a car accident driving your friends car she has insurance?
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
You are driving a friends car but your car has insurance and his car has his insurance will you be covered?
Your are insured. I just called 3 agents. Progressive, Geico, and all-state. Again, every state is different. In Wisconsin, the insurance follows the car, so if you borrow someone's car, you are borrowing their insurance. This means that if you lend your car to someone, and they have an at-fault accident, your insurance will be primary (theirs is secondary), and it is likely your insurance rates that will be affected!
