About the only time that there is no coverage for a permissive driver is when that person has been officially excluded, in writing, prior to the accident. All normal provisions of the policy should apply. You and the driver of the car must cooperate with the investigation of the accident with your insurance company.
I wouldn't worry about your friend and his insurance, but your own. If you are a minor your parents owe for damages that your friend did to the other car. If you allowed him to drive the car without your parents permission that is a problem too. That was not smart allowing someone to drive your car.
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
depends on your and his insurance, generally insurance follows the driver not the car. so your insurance shouldn't care, their insurance should pay for everything. If they don't have insurance, then your uninsured motorist might cover it. It depends entirely on your company, but if your company pays then your premiums will go up. The person they hit should have insurance that may cover it. I see no reason why your insurance should be involved.
A friend of mine loaned his car to a friend of his, who was visiting from Europe. Well, his friend drove the car off a cliff and completely wrecked it, along with being charged with a dui. His friend ended up skipping town and going back home. Fortunately, the insurance company covered the vehicle. Still, you should read over your policy just to be sure. To my knowledge, most insurance companies cover the car, regardless who drives it. But again, look over your policy so you know for sure. Or, contact your insurance broker and they can tell you. Hope this helps.
No, insurance does not always follow the owernership of the car unless you and your friend live in the same house and you have your driver's licence. If you tell the insurance company that you are not going to drive the car at all time and main driver is your friend, then you do not have to be under the same insurance.
Yes as long as you can accept responsibitliy for any damages that she incurrs while in your vehicle. I do it all the time. Are you insured? Does she have a license? My understanding is that most insurances will cover the insurance holder as well as anything they drive, and also anyone who drives the insured vehicle.
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