Under most policies, the car owner's insurance will cover you and the damage done to the vechicle. If the fault was yours, their insurance company may request that your insurance pays for some of the damage, or that you pay for the person's deductible.
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.
The insurance will not stand if some one else was driving the car, in Florida.
The person driving the vehicle. You borrowed the vehicle so any damage is your responsibly to fix. In almost all cases your insurance covers you if you must borrow another car. Check with your insurance company to be sure.
Their insurance would be primary and your insurance would be secondary, generally speaking.
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.
No insurance company will cover you for driving whilst suspended. Any illegal activity will deem your policy null and void.
Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.
the car owners insurance The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
Your insurance would be responsible for repair of the damage to your home. If your neighbors property was also damaged in the event then the neighbors insurance will cover the neighbors property damage. Nobody is liable for an act of nature.
the persons who car you were driving
Your insurance is responsible. Insurance is tied to the car, not the driver. That's why insurance on a Lamborgini is so much more expensive than the insurance on a Ford Focus.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
If the permitted driver was issued a violation then they are clearly at fault. The insurer of the vehicle he is driving has the primary liability, no fault states have special rules for the recovery of damages. If there is no insurance then the title holder of the vehicle the premitted driver was driving is liable, they may be able to recover from the minors parents.
There should be no question for your insurance. Your friends insurance will be affected, not yours. unless there was something wrong with the vehicle( ie. suspension or bad registration) any moving violations are specific to the license holder, not the auto. Hope this helps you feel a little better about the situation.
Being a guest in someone's house has nothing to do with car insurance. If someone backs into your car then their car insurance is responsible.
Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission). You should probably check with your insurance company to be sure, or have your parents call and ask them.
The driver's insurance will take the lead, if something extra is needed, the person who owns the car's insurance will be secondary. Both will be involved to some extent.
Insurance follows the car, and points follow the driver. which means that the friend will receive the ticket and the points against his insurance. However, your insurance will pay for your car and you should not receive the points for the ticket. Check with your state for insurance guidelines.
Until an expert car rental agent, or an insurance expert can improve the following answer, it will have to be from the standpoint of a layman who occasionally rent vehicles. When you sign a rental contract, you agree to be responsible for any and all damages to the rented vehicle. As I have always had insurance on my vehicles, it will pay for losses for which I am responsible, but only if there is no other insurance in force. In the event that someone else is legally responsible for the damage to the loaner car, then it may be that with luck, they are insured, and their insurance carrier will pay for the damage. BUT, if they don't, the rental agency will continue to hold you personally responsibe.
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
Read your policy. If the policy says that anyone driving your car with your permission is an insured, then the company that insures that car pays. Many policies exclude certain drivers, so it is not a one size fits all answer. The insurance for the car will pay, not the driver. Sadly, you are not required to pay anything, but if you are a responsible person, then you will....especially if it was your fault.
Both. Who ever insures the car, will mainly have responsibility to crash . It depends on what state the accident was in. State law would determine who is responsible and loves
You are considered an adult and capable of signing a contract. Such debt will be your responsibility. That may be modified if your parents have health insurance on you.