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There should be no question for your insurance. Your friends insurance will be affected, not yours. unless there was something wrong with the vehicle( ie. suspension or bad registration) any moving violations are specific to the license holder, not the auto. Hope this helps you feel a little better about the situation.

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โˆ™ 2006-04-08 14:01:33
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Q: If a friend driving your car was ticketed for 93 in a 70 whose insurance will it affect?
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My friend was driving my car and got a DWI when she asked what insurance it would affect the officer said it would affect the car owner's insurance and not hers' the driver's Is this true?

No. Driving records follow the driver, not the car. Unless your friend is listed as a driver on your insurance then your insurance company is never going to find out about this/isn't even concerned with this.


If a person is driving their parents car under their parents' insurance and lets a friend borrow the car if the friend gets a ticket will the ticket affect the parents' or friend's insurance?

I believe the Parents insurance go up!


Does my insurance cover a friend driving my car?

yes because if you have insurance on your car as long as you name is on the title and you were in the car with your friend most likely the insurance will cover it


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


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.


If a friend without insurance driving your car gets a ticket for jumping a red light will your insurance go up?

If the ticket was issued to his name then NO, it will not effect your insurance rate.


What is the legal if drives your friend car in that car is not insured and you get a ticket for driving without insurance?

If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.


Whose insurance is affected when a friend gets a ticket when driving your car?

Insurance follows the car, and points follow the driver. which means that the friend will receive the ticket and the points against his insurance. However, your insurance will pay for your car and you should not receive the points for the ticket. Check with your state for insurance guidelines.


If you are driving your friend car and you get in an accident would the insurance cover the claim?

Only if the insurance covers more than one driver. Check the policy.


What can you do if you are hit by another driver and got their license number and the police charged them but their insurance will not pay because the owner says a friend was driving the vehicle?

It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.


Will your insurance cover an accident if your friend was driving?

It should, if you let someone borrow your car, coverages should apply.


Can you legally loan your car to a friend if it's insured to you?

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.


If a friend drives your car and gets into an accident will you be sued by the opposite party?

Depends. Even if it's your friend driving it'll end up on the insurance belonging to the owner of the car.


Will a seatbelt violation cause insurance to go up in Minnesota?

My friend is an officer and after receiving a violation I asked the same question and he said no. He has never seen it affect your insurance.


If your friend has insurance does his rate or your rate go up?

What exactly is the situation? Are you two living together? or just driving ewachothers vehicles?


In what circumstances does your auto insurance cover you and the car if you are driving a friends car?

Car insurance follows the car. If you are using the friend's car temporarily, with permission, as a substitute for your own insured car, your insurance should cover you if the friend's insurance does not. What if my friend (who has the car) does not have insurance and I want to pay for my faults and fix it - will he be arrested?


Who was Rudolphs dogsled driving friend?

Yukon Cornelius was Rudolph's dogsled driving friend.


Do you have to be married or a direct family member to be on someone else's insurance?

ANSWER:Sorry you can not. It's just like driving a car, if you have a friend in your car and you had an accident, the insurance company can not take care of that person because he or she is not insured in your policy..


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. .


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.


Your son was driving his friends car with permission and got into an accident - does he have to pay top fix the car himself or does insurance cover this.?

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.


Do you have to have insurance full coverage if you are not driving a car that you are still paying on?

Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!


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.


Will taking a defensive driving class lower my insurance?

It can. If you've had accidents or a lot of tickets you probably have points on your license. Some states will remove points when drivers take defensive driving classes. Contact your insurance company. There are many ways to lower your insurance premium. A friend of mine let her insurance company put a computer in her car that recorded when she slammed the brakes or went above the speeding limit (which she never does). Because she let them monitor her, they lowered her insurance considerably.