noway.
secondary to the policy insuring the vehicle you drove with permission....barring any exclusions on your parents policy ....
You would be covered by the insurance on your friend's car if you are driving it with their permission. To be safe, get the parents' permission, not just your friend's. It may be that your friend can't give a legally binding permission.
insurance stays with the car......if collision coverage on the vehicle it would pay......
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
Yes. The person is entitled to collect the insurance deductible and any other damages that were incurred due to the fault of the driver of the vehicle.
No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is at fault or if the other driver is known, is at fault and does not have insurance.
I believe the Parents insurance go up!
I wouldn't worry about your friend and his insurance, but your own. If you are a minor your parents owe for damages that your friend did to the other car. If you allowed him to drive the car without your parents permission that is a problem too. That was not smart allowing someone to drive your car.
If she has her parents' permission. Until she reaches the age of majority, she is the responsibility of her parents. They can allow her to live anywhere they wish, as long as they are not endangering her.
It can affect: 1. Your insurance premium (for your own vehicle, or your parents vehicle if you are on their policy. 2. Your employers insurance premium (if you drive for work) It will NOT affect: 1. Your friend's premium, unless you are scheduled as a driver on the policy
This is legal, with your parents' permission, and your friend's parents' permission as well, and it does often happen, but you need to make sure that all of the legal forms are in place in case of an emergency.
yes as long as you get your friend's parents permission.