You may be legally responsible but since the car is on your policy it is your rates that might suffer if the accident was the fault of the driver of that car.
The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.
The primary insurance would be the policy that insures the vehicle.
You are still responsible for her and her decisions Legally the owner of the vehicle is going to be held liable.
If 'you' were at fault, or there was no other party involved (ie: backing into a pole..), then 'you' are. Even if 'you' were on the policy, it only covers damage to other vehicles/property/people, no coverage for dmg to car itself. If the vehicle was in the care, custody, and control of someone given permission to drive it, then that someone is responsible for any and all damage to the vehicle.
She is.
An accident policy is an insurance policy that will pay all or a portion of medical expenses incurred in the course of an accident.
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Yes, as long as coverage is in place on the date of the incident.
AnswerPlease send a copy of the policy and the circumstances of the accident.
Yes, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.
There are certain laws in certain states that will not penalize an unlicensed driver in an emergency situation. If he had an at fault accident he would be responsible for liability claims and would probably be covered under the car owners policy or a household members policy of the driver.
it might not affect you current policy but after renewal the points you received in that accident with Hurt you.