Barring any exclusions in the policy, the insurance 'stays with the car' so your insurance will pay for the damage to the innocent persons vehicle (under your liablity coverage). If you have collison coverage on your vehicle/policy it too will pay to repair your vehicle less the deductible. If there is no collision coverage on your vehicle and the driver has a policy with collision coverage the drivers collision coverage may step in and repair your vehicle, but ONLY if you don't have collision coverage.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
If they were not parked illegally then they are not responsible for your accident.
You guessed it!
generally the person who owns the car at fault involved in the accident is financially responsible. hopefully you have insurance and your friend is not excluded from your policy for some reason. if your friend is not excluded then your insurance company should pay
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
Once your insurance has paid, you are responsible for the rest.
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.
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.
When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.
If 'you' were at fault, or there was no other party involved (ie: backing into a pole..), then 'you' are. Even if 'you' were on the policy, it only covers damage to other vehicles/property/people, no coverage for dmg to car itself. If the vehicle was in the care, custody, and control of someone given permission to drive it, then that someone is responsible for any and all damage to the vehicle.
No liability insurance is not mandatory for boating in Ohio, it is a good idea to have liability insurance to tide over troubles if you or someone operating your boat is involved in a boating accident.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.