If you are NOT At Fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
Yes, the owners of the vehicle (and driver of course) are the ones sued, it has nothing to do with who is the named insured on the insurance policy.
Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.
Yes.. but make sure you have good documentation with dates on the accident reports.
Yes. If it's a company car and is insured through your employer, the employer's insurance company would pay out the claim. The accident would still show up on your record though.
Yes, if they have a licence, also they have to be insured on your car. Or they have to have a special insurance so you can drive others car. Hope I helped even though i dont drive.In the UK - if you have a valid policy of comprehensive motor insurance on your own own motor vehicle you will often be insured to drive third party in another person's vehicle, Clearly you would need the consent of the other vehicle owner and you should check your own policy of motor insurance. To see the different types of motor insurance policy in the UK - notably the difference between comprehensive and third party see the link entitled - "Car accident Insurance".
Subrogation, It's basically when an insured's insurance carrier pays for the damage done to their vehicle, even though it was the other parties fault. The insured's carrier will then go after the other parties carrier for reimbursement.
You prey that the other driver doesn't find out that even though he was not insured, you and your insurance co. are still liable for all damages. You still need to report the accident to your insurance co, though.
The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators. The person responsible for paying for the resulting damages may be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the operator may be responsible for paying the damages, even though the operator is not the insured person.
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
Probably, most states require proof of insurance.
Yes he did. Actually he had insurance on his legs and not just the feet though. Keith Richards insured a finger and you can guess what Dolly Parton insured.