the insurance of the person responsible for the accident
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
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.
They wouldn't know someone was driving your car without a license so it would go up. However, if they have a wreck in your car the insurance company will most likely not cover the accident because the person didn't have a license.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
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.
In Massachusetts the answer is YES. If more than one person is going to be driving your car then you have to have the appropriate insurance for that person. The laws do vary from state to state so check with your insurance company.
No. The person driving is the responsible party.
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..
You insure a car for a person or persons, so that in the event of a accident with that car, insurance can be claimed only if a named driver on the insurance was driving at that time.
The first time is one time too many. If you do not carry insurance, which is the law, then you should not be driving. Insurance covers the event of accident and protects those who might be in an accident with you.