If a friend borrows your car and gets in an accident does your auto insurance cover damages?
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
If a friend borrows your car and you did not know he has a suspended license will insurance pay for damages caused by an accident he had?
Yes, generally barring any exclusions in your policy if he had your (owners) permission to drive.
A friend borrows your uninsured car with permission and causes accident Can a claim be filed against his insurance?
I doubt it since his insurance is only for his car and not yours.
What will happen to me if my friend borrows my car and they don't have a license or any insurance and get pulled over by the police?
Your Friend Will get multiple traffic tickets for driving without insurance and without a drivers license. If your friend has an at fault accident. The other party or his insurer can sue both you and your friend for any and all damages incurred. They can sue your friend because he was the driver and they can sue you because you are the owner of the vehicle who allowed him to drive your vehicle. .
Both the uninsured driver and the friend are in trouble. My GUSS IS the uninsured friend will be liable to any damages he has caused The uninsured friend will be responsible for the damages to their car If insurance is required in your state, the uninsured friend and/or driver could face criminal charges
New driver gets into accident with friends car with no insurance friend only has GDL who's liable for damages to both cars?
If it was your fault then your freind is liable for the damages. If it was the other guys fault then his insurance will pay for it. Keep in mind, while legally it is the owners responsibility for the damages, he can sue you if he wanted to.
When you do not have any insurance AND the person who took your car without permission has no insurance and causes an accident who is responsible of the other parties damages?
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
What might the consequences be for a roommate borrowing your car with permission and then having an accident in a different state other than where the car is insured?
Assuming your friend has insurance, they would file a claim against the other insurnace company. If your friend doesn't have insurance, you'll have to pursue your firend civillay to recover damages. Insurance follows the driver, not the car, so it doesn't matter which state the accident was in.
Will your auto insurance policy be voided if you loaned your car to a friend without knowing his license was suspended and he got into an accident?
It depends, they could or they could have you sign an exclusion on that driver, which means that if that person ever drives the car again and gets into an accident the insurance company will not be responsible for damages.
What would happen if a friend lets you borrow his insured car and you get into an accident but you do not own a car or have insurance?
I believe most insurances will cover the damages if the car is insured and you have a license, but if you do not have a license the insurance will not cover anything you are both liable. Your friend is liable for loning you the car without a license and you are liable for driving it.
If a friend borrows your car without permission and gets into an accident will his insurance cover it?
First of all a friend does not borrow your car without your permission- if they used it without your permission they really arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating that the person did not have your permission to use the car. Otherwise your insurance will cover the loss and your rate may… Read More
Do you have car insurance? Yours will cover it. Your friend if he is a true friend, will cover the deductible.
Who is responsible for a car accident the car owner or the person the insurance policy is under and the car owners friend is driving owner insured owners friend?
The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators. The person responsible for paying for the resulting damages may be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the… Read More
If your 16-year-old has a car and insurance in his name and his friend has an accident and hurts someone who is legally liable and who could be sued?
Assuming that the friend was driving the car at the time of the accident, both the owner and the driver in most cases can be held liable, and both could be sued. What actions can be taken to recover damages is pursuant to state laws. Often an insurance company will refuse to pay a claim under these circumstances. Contacting the insurance agent would be the best option.
My boyfriend was driving my car and had an accident. My insurance company paid the damages but his insurance premiums went up. Mine did not increase. The points follow the driver. It has been a few years but I am not sure if it has changed. Your insurance agent should be able to inform you. I didn't want to call them at the time but I did and was assured even though they paid for… Read More
Auto insurance follows the named insured's legal liabilities. If you are liable for the accident and the driver fits the definition of a covered driver under the terms of your auto policy, then your insurance will pay for the damages. If you gave your friend permission to drive then both you and the driver are legally liable for an at fault accident. In the United States the auto insurance on the vehicle being driven is… Read More
If a friend drove your vehicle when there was no insurance and was involved in an accident who is liable for the cost to replace the car?
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.
It could, depending on the seriousness of the accident, payments made, past history, etc. Since insurance follows the car, yours would be primary since it's your car. Your carrier insures you and your risks. By allowing another person to drive your car, you have accepted the possible risk of that person having an accident. Your premiums might change accordingly.
Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
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.
It would be a very foolish move to put a friend on your car insurance because if they have an accident you will have to pay any expenses. This also includes letting a friend use your car.
The driver of the vehicle would be considered as secondary. Say you own a car, and are insured with company X. You let a friend borrow your car, and they have insurance with company Y. If there is an accident that exceeds the limits of the policy for company X, then company Y would pay up to their policy limit to cover the remainder of the balance for damages. If the driver does not have… Read More
If a friend drives your car and is charged with DUI and gets in an accident does your collision coverage cover the damages?
depends on your and his insurance, generally insurance follows the driver not the car. so your insurance shouldn't care, their insurance should pay for everything. If they don't have insurance, then your uninsured motorist might cover it. It depends entirely on your company, but if your company pays then your premiums will go up. The person they hit should have insurance that may cover it. I see no reason why your insurance should be involved.
What happens if you let a friend drive your car that is insured and registered in your name and she has an accident will that affect you at all?
Yes. It is your car, you are responsible. Owners Liability Since you state that the vehicle and the insurance is in your name. Then presumably your insurance will have to pay the bill. That means the accident will go on your insurance claims record and can effect your insurance rates for the next 3 to 5 years. Remember that a vehicle owner and the driver are both equally, severally and jointly 100% liable financially for… Read More
What happens if you don't have insurance and you get into a car accident driving your friends car she has insurance?
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
I was injured by a friends dog while attending a picnic. Their homeowners insurance is paying my hospital and dentists bills. Can I also recover some funds for punitive damages without suing?
No, not without suing. "Punitive" awards are for 'Punishment", basically meaning that you assert your friend inflicted your injuries intentionally or through wanton disregard, with malice and intent. Like they did it all on purpose maybe sicking their vicious dog on you. It would not be an accident and could elevate the matter to a criminal assault. If your injury was not an accident, or the result of an assault or criminal negligence, then the… Read More
If they're not on the rental agreement, they shouldn't be driving it. If they get into an accident, you'll be liable for all damages and costs.
First of all, it depends who it is from. If it is from a rental company, i dont know. but if it is from a friend i think you are liable for the damages.
If a friend is driving your Car with no Insurance or License and get in an accident what the worst that can happen?
Your vehicle was or was not insured? If neither the vehicle nor driver have any insurance, both the owner of the uninsured vehicle and driver will be held accountable for the damages caused/owed. Fines, loss of license and plates, etc. with more detailed information I could be of more assistance.
My friend borrowed my car and brought it back totaled is he responsible to pay for the damage if I don't have insurance?
If you let a friend borrow a car who had no insurance and you had no insurance, essentially two violations have been committed. He is responsible, but you are too. It is unlikely that a court would award you with damages.
You need to involve parents or a lawyer, as appropriate.
generally the person who owns the car at fault involved in the accident is financially responsible. hopefully you have insurance and your friend is not excluded from your policy for some reason. if your friend is not excluded then your insurance company should pay
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… Read More
Only if the insurance covers more than one driver. Check the policy.
If you let a friend use your car and he gets into accident who' s insurance comany is responsible if we both have insurance?
the owner of the car as in you not your friends sorry
Only if the friend gets into an "at fault" accident.
If you have full coverage insurance and a person who is not licensed gets into an accident in your vehicle what happens to your insurance?
I'm a Broker - first of all, as tacky and incovenient as this sounds, IF YOU DON'T KNOW IF A PERSON ABOUT TO DRIVE YOUR CAR IS LICENSED OR NOT, ASK TO SEE THEIR PERMIT! IN THE CASE OF AN ACCIDENT, YOU ARE PERSONALLY HELD RESPONSIBLE FOR ALL DAMAGES. The law says that we must assess the likelihood of such events and protect ourselves in any way. eg. if your friend is drinking you don't… Read More
Whatever your friend does in that car whether it be DUI or an accident you are responsible for all damages and expenses not to mention your insurance may not cover anything at all and will more than likely drop your insurance or move to high risk class. If a driver gets stopped by police and found out without license, you are NOT responsible...you are only responsible if you give them permission to drive your car.
You can legally loan your car to a friend, if you own it, but be prepared to pay for any damages done to or by your friend, because your insurance won't and they might cancel your policy. You must inform your insurance carrier if other persons will be driving your car.
As long as the friend is not excluded on the policy, and you have collision coverage on the vehicle and policy, then most likely yes..
Unauthorized Use of a Motor Vehicle When someone takes your car without permission it's called "Auto Theft". You call the police and make a theft report. You would not be responsible for damages a thief incurs while in the commission of a crime. If you fail to make a Police Report then you have in effect given "Implied Permission" to use your vehicle and you can be held fully liable for any and all damages… Read More
It should, if you let someone borrow your car, coverages should apply.
Yes. But get some help for this. A lawyer or knowledgable friend.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle… Read More
If your friend lets you drive his car and then you get into an accident and his insurance does not cover that do you have to pay for the repairs?
Assuming that you were at fault in the accident: you broke it, you bought it. Do you have full coverage on a car that you own? It might cover the damage if you were only using his car temporarily while yours was unavailable. If another driver was at fault, your friend should be trying to collect from him or his insurance.
The insurance follows the vehicle so your own insurance company would be primary. However, if you don't carry the comprehensive coverage on your own policy and your friend has a vehicle with comprehensive coverage, his coverage would be secondary and pay for the damages.
What happens if your friend borrows your uninsurred car without your permission and gets into an accident?
well technically if it's without your permission it would be (and should be) considered stolen and therefore should be your friend's responsibility to fix everything up.
Depends. Even if it's your friend driving it'll end up on the insurance belonging to the owner of the car.
If you loan your car which has liability insurance to a friend and he has an accident can other drivers sue you?
This depends on the state. In California if you loan a friend your vehicle and he kills someone with it, then you are also charged with manslaughter!
Would it effect the insurance he could get for his own car if my friend crashed my car with a learner's permit?
I wouldn't worry about your friend and his insurance, but your own. If you are a minor your parents owe for damages that your friend did to the other car. If you allowed him to drive the car without your parents permission that is a problem too. That was not smart allowing someone to drive your car.
No. Unless they are members of the same immediate family who live in the same household. Anything else is against the terms of your policy which is a legally binding contract. Be very careful with this. If you insure a friends car on your auto policy and they have an accident, your insurance company cannot pay you for the damages because you don't own the vehicle, and they can't pay your friend because they don't… Read More