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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.

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โˆ™ 2009-06-09 21:19:20
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Nutrition

23 cards

If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

How many grams of cholesterol should you eat each day to maintain a healthy diet

What would cause a fluttering inside the ear canal

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Q: If a friend borrows your car and gets in an accident does your auto insurance cover damages?
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Related questions

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. .


What happens when an uninsured driver borrows a friend's uninsured car and gets into a wreck?

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.


If your son away at college borrows a friend's car and has an accident and even though the friend's insurance applies you are sued for damages does your policy cover this under a non-owned definition?

NEED MORE INFO... IS YOUR SON ON THE POLICY , DOES YOUR BYLAWS OF POLICY STATE NON OWNED VEHICHLE MEANS ANYONES CAR THE PEOPLE ON THE POLICY ARE IN OR DRIVING. ALL STATES AND INSURANCE LAWS VARY THIS IS SOMETHING YOU SHOULD POSE TO INSURANCE AGENCY OR IF YOU DONT WANT TO MAKE THEM AWARE WHICH I WOULDNT KNOW HOW BECAUSE MOST STATES REQUIRE DRIVERS TO OWN CAR INSURANCE FOR THE PERSONAL INJURY PORTION OF AN ACCIDENT, IN THE EVENT THERE IS NO VEHICLE DAMAGE, YOU CAN GET INTOUCH WITH AN INSURANCE 1(800) HOTLINE LISTED IN YOUR PHONE BOOK OR CALL THE INSURANCE DIVISION OF YOUR STATE GOVERNMENT..GOOD LUCK


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.


I let a friend drive my car and they had an accident whose insurance pays?

If your friend was at fault- then your insurance policy will pay first. Always remember the insurance follows the vehicle, NOT the driver. If the costs of the accident exceed your policy limits, your friend's policy will respond next.


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 jump or you may get cancelled. Your call- depends on how much the claim is and how good the friend is


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.


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 operator may be responsible for paying the damages, even though the operator is not the insured person.


Can you sue your friend's insurance company if you were in an accident but they were not at fault?

You can.


What if someone is driving your car and they get into an accident and do not have car insurance?

Do you have car insurance? Yours will cover it. Your friend if he is a true friend, will cover the deductible.


Whose insurance pays if a friend damages your car while driving it?

Yours


If your daughter lets a friend drive your car and they have an accident who is responsible?

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 it, I was not penalized nor were my premiums increased.


If a friend borrows your car gets in an accident does your auto premium increase?

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.


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.


You have no car or insurance if you drive a friends car are you covered by their insurance?

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.


I have insurance and allowed a friend to drive my car and she had an accident who is at fault?

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.


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.


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 homeowners insurance would not cover any damages at all. This is because home insurance excludes all coverage and damages from criminal acts of the insured.


Who is liable for damages above the maximum limit on your policy when you are not the driver?

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 their own insurance, then potentially both the driver and the vehicle owner could be sued and be responsible for damages.