No, the state does not notify insurance companies each time a person gets a ticket. It is up to the insurance companies to periodically get a persons driving record. Surprising to most people insurance companies don't do this all to often. It's expensive so they usually only get your record if you give them a reason to such as file a collision claim.
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.
It depends.... If the girl that hit your car has car insurance that covers her while driving another persons vehicle, go after her and her insurance company. But if not, go after the owner of the vehicle, they are responsible for the vehicle at all times. The insurance company doesnt care who is driving.
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!
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