Your coverage should kick in - if it was a matter of fault, you will be in the driver's shoes unfortunately.
It depends on the type of policy you purchased. It may provide coverage for permissive use or it may not. Contact your insurance agent and they can advise you of the coverage you have now and recommend the appropriate coverage for you.
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
No insurance coverage means "don't drive the car". I would say that if your girlfriend has insurance coverage on the car and she allows you to drive there would not be a problem. This is unless you had been formally excluded from coverage by her insurance company.
no
When you allow someone to drive your car, you are giving them the coverage of your insurance. If they were to get into an accident, your policy would pay first.
You may find yourself exposed to costly personal liability. If you don't have adequate insurance coverage you will be liable to pay for any damages or injury above the limits of your coverage. If the driver doesn't have a valid driver's license your insurance company will refuse to pay for any damage caused by the accident. If you don't have collision coverage you will lose your car and have expense to pay.In general it is not a good idea to allow someone else to drive your car unless it is absolutely necessary, they are legally allowed to drive and you have full insurance coverage.
If they are not pressing charges, then they are giving you permission to drive their vehicle. If you give someone who doesn't have a drivers license permission to drive your vehicle, you are voiding your insurance coverage. The Insurance company will not pay.
no
They'll have an accident that is their fault, the insurance company will refuse to pay, the driver of the vehicle and the owner will be sued for everything they own and then some. Or they will be in an accident that is not their fault but the person who owns the vehicle will have their insurance cancelled and will have to pay a fortune for future coverage.
The extra driver needs to be added onto the insurance policy. Having someone drive a vehicle and not having them on the policy can be a large problem if an accident were to happen.
An SR22 isn't a policy or a coverage. It is a notification to the state that you have coverage.
Auto Insurance Without a Car?Yes, You can purchase "Non Owners Insurance" Coverage. Sometimes referred to as "Named Driver Coverage"Drive safe - Buckle Up