If you file a claim, I'd expect an increase in the premiums. It's not likely that the policy would be cancelled, unless this is a common occurrence.
Simple. You'll get in trouble with not only your parents but also with the police [maybe] or the insurance company. Be Carful what you do with your parent's cars!!!
If you are willing to charge this driver with auto theft it probably will. If not, the insurance company will assume you are giving him permission after the fact.
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.
Yes
In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.
Generally speaking, if your insurance has to pay out, then there probably will be an increase. Good luck.
The answer should be yes to both parts of the question. You should notify them.
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
If you are underage you need your parent's permission.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
First of all a friend does not borrow your car without your permission- if they used it without your permission they really arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating that the person did not have your permission to use the car. Otherwise your insurance will cover the loss and your rate may jump or you may get cancelled. Your call- depends on how much the claim is and how good the friend is
Generally yes, her insurer should cover it, but ONLY in the instance that it was driven WITHOUT permission. You must make that clear, and your friend must admit to that as well. Her rates may be hiked.
they sure can they can be used in a court case and insurance companies will also request these samples