You might. Many states have vicarious liability laws. Vicarious liability in this situation means that as the vehicle owner, you may be responsible for how the vehicle is used. You should consult an attorney licensed for your jurisdiction.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
Liability coverage offers coverage for bodily injury and property damage to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
Call your agent. I do not know your state law.
What would you file a claim for? The vehicle is not yours and it's a minor accident with no injuries, so you have no loss.
Yes
Firstly,, If you are temporarily and unknowinlgly driving an uninsured non-owned vehicle and you do have liability insurance on your own vehicle, Then in Most cases that liability insurance from you own vehicle will follow you to the temporary vehicle as secondary coverage, so the accident may be covered under that policy. If No insurance exists to cover the vehicle then you can be subject to traffic fines for driving without financial responsibility, Impound of the driven vehicle, Possible arrest at the scene of the accident, Possible jail time, A Civil Suit may be filed against you by the claimant, Suspension of drivers license for up to 10 years or until such time as you have paid for the damages reulting from the accident. Once you have satisfied the associated losses from the accident you may also be required to maintain an SR22 Insurance filing to re-acquire your driving priveledges.
When you cause an accident that damages another vehicle or hurts someone
In General No, The party that caused the accident is liable. However, If You were driving a company provided vehicle a the time of the accident, then the company may have some secondary financial liability depending on the circumstances of the accident.
Yes. Absolutly so is my understanding. That is so the owner does not give the keys to someone who is irresponsible. If there were a car accident the owner would be liable for the other persons injuries, or vehicle repair if the driver of your car was at fault.
When you cause an accident that damages another vehicle or hurts someone