The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the At Fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.
Yes,, That's what it's for. It pays for damages you caused to another.
It is highly unlikely.
If the damage occurred during the accident in question, then it should.
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.