You home owners liability insurance should cover it.
Most insurance companies will not, they require you to have an "insurable interest" in the vehicle.
No, The vehicle owner chose to accept the risk associated with not having collision coverage. You can not use someone elses policy to cover the owners collision loss.
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.
The answer to your question is no,unless your driving someone elses car at anytime,then you must be insured for that vehicle and that vehicle only..
General principle of insurance is that you can't insure something in which you don't have an interest.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
No, the insurance has to be on your car not someone elses.
Car insurance is just that: insurance for the car. When a contract between the insured and the insurance company is purchased, it is based on the driver and the vehicle. If the driver takes someone else's vehicle, the insurance is only for the original car. There would be no pay out for someone else's car. Example: Driver A buys insurance for Vehicle A valued at $5,000. Driver A uses Vehicle B that is valued at $35,000. The insurance cost is obviously not the same therefore the coverage is not there. In the event of bodily injury, coverage up to the agreed limits are there. Remember, health insurance does not cover care and or treatment due to a vehicular accident. I hope this helps clarify the questions.
You may be added to someone else's policy as a driver if you operate their vehicle. You cannot put a vehicle titled in your name on someone elses policy. The vehicle must be insured in the name of the person who owns the policy.
This is not a state specific question. If you are given permission, then you are covered. Note: you can only drive a rental vehicle if your name is on the rental agreement.
That is fraud!
um... yeah if your on your parents insurance....... i think