It really just depends on the type of insurance policy you purchased. Standard or limited lines policies differ significantly.
Standard policies tend to cover any permissive use driver as defined in the policy under the section "Covered Drivers".
Limited policies, also known as operator or named driver policies, although economical if price was an issue at the time of purchase, will not cover any person who is not named on the policy.
It would be best to simply to contact your insurance agent and ask about coverage advice for the accident. If you purchased your policy direct, meaning you have no agent to advocate for you, then you will have to rely on the advice whomever answers the 800 number when you call.
yes they are covered IF you had coverage, your insurance should pay up to your limits. If claims exceed your coverage, any auto insurance policy the driver might have would pay. If the damage exceeds your combined limits, you could both be sued for any remaining amounts.
It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they - but not you - will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else's insurance. Some people hold insurance policies that allow anyone (with permission from the owner) with a valid license to drive the car and in this case you would b covered on this policy - many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.
Theft is not the same as accidents. If you drive a car, whether it is in your name or someone else's name, and you have an accident, then your own insurance is applicable, but if someone else's car is stolen, that doesn't seem to involve you. Presumably you were not in the car when it was stolen, right? What involvement do you have?
You should get car insurance when you have your drivers license and you are regularly driving a car. With you license it is legal to drive someone else's car on a rare occasion as long as they have insurance, you will be covered. This however cannot be habit, and must not be part of a regular routine (borrowing the car every Thursday) So if you own a car, have your drivers license, or regularly drive someone elses car, you should have insurance or be put as an occasional driver on someone elses car.
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