It really depends on the state that you live in.
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
Primarily the auto insurance policy follows the car. Secondarily it covers the driver should he be driving an uninsured vehicle or to cover him on a borrowed vehicle. There are some restrictions based on primary vehicle replacement and other situations. Read your policy for specific information.
Answer 1: yes, my sister is borrowing my car and she her own insurance on it.Answer 2: You can always get insurance as an additional driver on another person's car insurance policy. Isn't that how children in the house are added to their parent's car insurance policy?
No,, You have to buy the auto insurance for your car or you have to make sure the owner of the car you are driving has the required insurance and that it will cover you as a driver as well.
This is a type of auto liability coverage that can be purchased when the buyer does not own an automobile. While auto liability insurance is typically said to "follow the car", meaning that it correlates with a particular vehicle, non-owner's coverage "follows the driver". In that sense, it covers the driver irrespective of the vehicle he/she is driving.
Auto insurance covers the Named Insured(s) for certain losses that may arise out of vehicle operation or ownership. Bear in Mind that the notion of Auto insurance following a car or a driver is lay-mans language. An insurance professional should never use such broad terms when explaining coverage as it is an misleading over simplification of the coverage and would not be accurate. Regardless of what state your in, sometimes your auto insurance will follow you to another vehicle and sometimes it will cover other drivers that you permit to drive your vehicle, but it all depends on the circumstances involved.
Auto Insurance Without a Car?Yes, You can purchase "Non Owners Insurance" Coverage. Sometimes referred to as "Named Driver Coverage"Drive safe - Buckle Up
As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.