Although it depends on your insurance, the driver is covered if driving with your permission.
you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
Whether or not someone is covered under your insurance policy in the event of an accident should be outlined in your individual policy. Insurance coverages also vary from state to state and the type of limitations on the individual policy could also be a deciding factor on if someone was covered while driving.
ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.
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.
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Do you have car insurance? Yours will cover it. Your friend if he is a true friend, will cover the deductible.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
depends on the insurance company
There is no breakdown to how or where you drive your car. Enroute to work is a daily activity and you are covered by your insurance. Where problems start is if someone else was driving the car or if you don't have a drivers license.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
whut if you were in a bus accident and the bus didnt get the insurance information
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
It should, if you let someone borrow your car, coverages should apply.
it might not affect you current policy but after renewal the points you received in that accident with Hurt you.
Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think you'd be covered in an accident unless that person is your girlfriend, boyfriend.
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
It will depend on the policy, but most policies are legally bound to insure anyone that drives an insured car (as the policy covers both you and your car).
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.
Swinton Insurance offers temporary car insurance in Pennsylvania so that if you drive someone else vehicle or a rental then you're covered in the event of an accident.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
Nothing happens if a person that hits someone in their vehicle and their insurance is covered through another state than the accident happened at. Car insurance companies will pay for damages no matter where they happen at.