Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers "you" from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle. Concerning the party that is not the owner nor on the car owners policy, the car owner's auto policy covers the car and any lawful driver aslong as their were no "misrepresentation" on the insurance application/contract. By misrepresentation I mean, at the moment the car owner signed the application and contract he wasto state any material facts that could change the underwriting decision such as premiums. For example, if the car owner has a son who will also drive the car, the car owner is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a "undisclosed driver" was operating the veichle the insurance has 2 options. 1. He can Void the policy/contract and not cover the auto owner. or 2. He can cover the auto owner and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car. *Note" In rare cases, an insurance company will cover the "undisclosed driver" aslong as the difference in the premium is paid.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
I hope you had insurance for this. The uninsured motorist will probably be broke
Yep. if they did the damage.
insurance follows the vehicle, not the driver. If you loan your vehicle to someone, you assume the risk of them having an accident. Only if there is no insurance on the vehicle would the driver's insurance become effective for the loss of a vehicle not owned by him.
Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.
Insurance follows the vehicle, not the driver.
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
First of all, if the driver was driving your vehicle with your permission, your auto insurance will cover the accident expenses. Automobile insurance is issued to cover the vehicle. If the vehicle was stolen, that's quite a different matter - your local law enforcement agency will have better information.
If they have insurance then you should not have to pay a deductible at all.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
The owners name and address should be listed on the accident report as well as the driver of the vehicle and who was at fault in the accident.
Insurance stays with the car. So if the vehicle is insured (subject to any policy exclusions) and your 'permissive driver' were at fault then your policy will be primary on all damages. You both however are 'legally' responsible. If you are saying that neither the vehicle nor the driver had insurance. Then you both have a problem, and more than likely the injured party (or their insurance) will come to both of you for reimbursement.