The insurance for the vehicle you drove will be primary, your personal insurance will be secondary. Be honest and give them the info for the person who owns the car, and your personal insurance info.
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
If the accident goes on your driving record, yes.
It all depends on her insurance cover
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
Her insurance may state 'other drivers with the insured's permission' in which case her insurance would at least in part cover damage to other people/cars, but probably not to her own car. If her insurance does not have that clause, you are probably in trouble.
If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.
As long as you have a license. The insurance follows the vehicle, not the driver.
Only if the friend gets into an "at fault" accident.
Yes, unless you are under the influence of alcohol or drugs
Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think you'd be covered in an accident unless that person is your girlfriend, boyfriend.
the owner of the car as in you not your friends sorry
Your are insured. I just called 3 agents. Progressive, Geico, and all-state. Again, every state is different. In Wisconsin, the insurance follows the car, so if you borrow someone's car, you are borrowing their insurance. This means that if you lend your car to someone, and they have an at-fault accident, your insurance will be primary (theirs is secondary), and it is likely your insurance rates that will be affected!
Hopefully, both you and your friend have insurance. If you do, you call the insurance companies. If the other guy caused the accident, you let the insurance companies fight it out. Likewise, if just one has insurance, you call that company. On the other hand, if you caused the accident and both you and your friend have insurance, you call the insurance companies. If just one has insurance, you call that company. If neither you nor your friend have insurance and you caused the accident, you are in deep trouble. You could be out a lot of money. In either case, you only talk to the cops. You do not assume any blame even if you are at fault. You just give the facts. You can say the light was red when I entered the intersection. You have to tell the cop the facts or you can go to prison. Still, you do not say, "It was my fault." You do not assume blame. You do not make value judgements.
Legally, its the friends because the insurance was in the friends name. Insurance checks are meant to be used on repairs to the vehicle or toward the purchase of a new vehicle. So you could try to force the friend to use the check toward the vehicle by taking them to court. Or you can start paying for your own insurance and not have to worry about the loyalty of your friends.
NO!!!! However if you are the one driving your friends car your policy may provide some protection with regards to your liability but only if you are driving. Your own liability usually only follows you to another car if you are using it temporarily as a substitute for your own insured vehicle. Even then, your insurance would be secondary to the owner's policy and your insurer would expect it to be insured. Before I even thought about driving an uninsured car, I would check with my agent to find out if I would be covered. It would be a lot cheaper to buy your friend an insurance policy than to pay the expenses for even a fairly minor accident.
if there is insurance it should pay for the loss
you must have your own insurance on the vehical to be covered, if you did not have insurance you are braking the law and therefore no there is now way out.
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
Globe Life and Accident Insurance Company is headquartered in Oklahoma. The company was founded in 1951 by two friends, Ralph Reece and John Singletary. Globe now has more than 3.8 million policy holders.
In most states in the United States, you do not need to carry proof of insurance with you, but you must be able to produce it in court. No penalty exists for not having proof of insurance with you. Most cars come with a folder in the glove compartment with two pockets. One pocket is for the registration and the other is for the insurance card. Inform your friend. What will happen in court will probably depend on the other information on the citation.
Whether the drivers injures are covered under the insurance depends on the type of insurance carried. It also depends on if the wreck was their fault or not.