Yes. If a claim is made and found valid, his insurance rates will probably increase. It depends on the past history of the insured of how much the premium will rise.
As long as you have a license. The insurance follows the vehicle, not the driver.
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
It all depends on her insurance cover
you must have your own insurance on the vehical to be covered, if you did not have insurance you are braking the law and therefore no there is now way out.
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
If the accident goes on your driving record, yes.
Whether the drivers injures are covered under the insurance depends on the type of insurance carried. It also depends on if the wreck was their fault or not.
You can buy a "Non-owners" or a "Named Operator" policy that will cover the damage you cause to the other party for injuries or property damage to the other vehicle. The only way to cover damage to the vehicle you are driving is to have the owner of the purchase a traditional auto insurance policy, with comprehensive and collision coverage, and then list you as a driver on their policy.
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
Car insurance follows the car. If you are using the friend's car temporarily, with permission, as a substitute for your own insured car, your insurance should cover you if the friend's insurance does not. What if my friend (who has the car) does not have insurance and I want to pay for my faults and fix it - will he be arrested?
Her insurance may state 'other drivers with the insured's permission' in which case her insurance would at least in part cover damage to other people/cars, but probably not to her own car. If her insurance does not have that clause, you are probably in trouble.
If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.
If you were cited then you need to appear, if you have coverage on another vehicle then you should bring that proof with you as you should be technically covered for driving another persons vehicle.
Yes, it can cover you depending on the reason you were driving another persons vehicle.Remember that auto insurance follows the legal liabilities of the named insured. If you were driving another persons vehicle under the "replacement vehicle rules" then yes your liabilities should be covered under your own auto insurance policy.A replacement vehicle is typically defined as a borrowed or rented vehicle that one is driving because their own vehicle is under repair, broken down or otherwise unavailable to you at the time.If you were just driving your friends car for the fun of it then you should contact your insurance agent for coverage advice.
1. Does the car stay with you most of the time? or 2. Are you asking in regards to driving a friends car?1 You can get car insurance for a car you drive reqularly even though you don't own the car. Just call up the insurance company of your choose and ask for an insurance policy with your name. You will need the vin number of the car that you will be driving.Some Insurance companies have a clause in the contracts that state an insured person can drive any vehicle and still be insured under their policy.Some policies state that you can insurance any one driving your vehicle.It all depends on the insurance company and your driving record.Just let the insurance company know what you are looking for.FYI When getting car insurance I recommened you ask for car rental insurance to be added to your policy. This will provide you with a rental car should your vehicle need to be in the shop for any length of time.
NO!!!! However if you are the one driving your friends car your policy may provide some protection with regards to your liability but only if you are driving. Your own liability usually only follows you to another car if you are using it temporarily as a substitute for your own insured vehicle. Even then, your insurance would be secondary to the owner's policy and your insurer would expect it to be insured. Before I even thought about driving an uninsured car, I would check with my agent to find out if I would be covered. It would be a lot cheaper to buy your friend an insurance policy than to pay the expenses for even a fairly minor accident.
Yes, If your are driving your friends vehicle then they are required to schedule you for coverage, otherwise you would be an uninsured driver. If you are asking can your friend add you and your vehicle then that would depend on what your friends financial interest is in your vehicle. If your friend has no insurable interest in your vehicle then it would be unlawful for them to add it to their policy. But they can certainly and are in fact required to add you to their policy if you are driving the friends owned vehicle.
Your are insured. I just called 3 agents. Progressive, Geico, and all-state. Again, every state is different. In Wisconsin, the insurance follows the car, so if you borrow someone's car, you are borrowing their insurance. This means that if you lend your car to someone, and they have an at-fault accident, your insurance will be primary (theirs is secondary), and it is likely your insurance rates that will be affected!
No, the insurance has to be on your car not someone elses.
yes, I am sure you can. But you must get the friends permission to drive. Actually, I am not sure. Try yahoo answers.
Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.
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