The driver's insurance would then be considered "secondary," meaning if the owner of the auto didn't have insurance, then if the person driving the car had insurance, they would be liable.
You would call the insurance company of the person's car that you are driving. The insurance follows the car and not the insured.
This depends on the insurance policy. Usually your car is covered, no matter who is driving it. However, if you are driving a car and the owner doesn't have insurance, then your insurance would pay if you got in an accident.
1.000.000.000 / 20.000 = 50.000
It is not mandatory but it is recommended to have. Please see more about it here: http://www.quotemetoday.co.uk/insurance-products/driving-school-insurance/
AnswerAssuming it was in benefit etc. the allowed amount would be around $5k. The insurance would pay everything after applicable copays, deductibles, and your portion of the coinsurance.
Their insurance would be primary and your insurance would be secondary, generally speaking.
Drinking and driving is illegal everywhere. No insurance company can provide a policy for illegal activities. Drinking and driving is dangerous, not to mention that if a car accident were to happen, insurance would not cover it.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
No. If you have any DUI's or DWI's on you record, you would be seen by the insurance companies as a driving risk and would not get low rates.