Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care of the damages.
Only your insurance company can answer that - mine does... I have insured vehicles that were not in my name and insured vehicles in my name for other drivers - Geico... I have also loaned vehicles that were in collisions and they still covered them even though I did not specifically "add a driver".
There are many reasons why someone would want to get event insurance coverage. In case someone has an accident or something during an event it is important to be insured.
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
They will have a pink card stating the insurance company on it still, as long as the accident happened in the one day they were insured.
Most no fault insurance laws protect the not-at-fault party. Your insurance will indemnify your loss and penalize the un-insured motorist. DO NOT make outside deals with an uninsured person after an accident as this limits your ability to make claim.
If the accident was your fault and someone else was involved their uninsured motorist insurance will pay for their damage. The bad news is that they WILL sue for the amount they had to pay out.
This is not good. The law specifically says, that, it is your responsibility to make sure that the vehicle you are about to drive is properly insured. Sorry to say, but there is no way out of it.
This depends on the insurance company. Some insurance companyies will cover other drivers if they are not regular drivers of the insured vehicle. Other insurance companies will only cover the person insured/owner of the vehicle. Most of the time, there are riders you can attach for an additional charge that will cover other, occassional drivers. If there are two people that drive a vehicle on a regular basis, both people must be insured, and generally that's like covering two vehicles.
The insurance follows the vehicle therefore the person who owns the vehicle is responsible for having insurance on the vehicle and that insurance will cover the loss. I know it seems that the driver should have some responsibility but that is not the way policies are written. The best thing is teach you children never to let someone else drive their vehicle, period. Insurance companies do not like it when their policyholders loan vehicles and they then have unknown drivers driving insured vehicles.
The vehicle is insured not the individual. You can pay for and obtain the insurance in the name of the owner with you listed as an insured operator.
Third party liability insurance is useful if you are blamed for having caused an accident and someone wishes to file a claim against you. With third party insurance you are insured for claims up to a predetermined amount.
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..
There is no retro active insurance. If someone is not insured at the time of the accident any penalties/legal actions are valid.
that depends on their insurance policy
the difference between a proposer and the insured is that a proposer is a person or an entity who is seeking insurance and an insuerd is someone or an entity covered by an insurance policy
It just depends on your situation. You can not purchase insurance for or with someone unless you have an insurable interest in that which is being insured. For example, If someone is driving your vehicle or you are driving each others vehicles then you each have an insurable interest because the law requires you both be insured to drive the vehicle on public roads. Also your auto insurance contract requires that you disclose all drivers that have access to your vehicle. Failure to disclose a driver is a well known form of insurance fraud and can result in no coverage at all for an accident. If you each have your own vehicle and do not have access to each others vehicle then you would have no insurable interest in the other person or in their vehicle and can not insure with them.
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.
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
You as the driver are responsible for any crash you cause in this case. If you were told the car was insured and can prove it you could sue the lender for reimbursement.
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
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.
No. * i say Depends on your policy. Call your insurance person.
Usually your own insurance.