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The registered owner is only required to furnish liability insurance.

If the owner does not have sufficient coverage (liability, comprehensive or collision), then the driver's policy would invoke as secondary coverage.

It's not nice to borrow someones vehicle, wreck it and then claim ""not my responsibility". after all, you did borrow the vehicle.

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โˆ™ 2014-03-21 21:02:28
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Q: In a vehicle accident with property damage whose insurance is responsible the driver's or the owner's?
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Related questions

Can car insurance companies charge the passenger for the drivers fault in an accident?

No. The person driving is the responsible party.


What auto insurance do you bill if you where a passenger in auto accident?

You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.


What happens if both drivers involved in an accident have no insurance and no police report was filed?

If both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.


When you do not have any insurance AND the person who took your car without permission has no insurance and causes an accident who is responsible of the other parties damages?

You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!


How do you get auto insurance for accident prone drivers?

You get auto insurance for accident prone drivers the same way as normal drivers. You will need to provide relevant car details and your driving history information and then receive insurance policy quotes. Insurance premiums for accident prone drivers are generally much higher.


Why is auto insurance mandatory?

Driving is considered a privilege and not a right. Because it is a privilege drivers are required to prove they are financially responsible. Mandatory auto insurance is proof that drivers are financially responsible to cover damages or injuries in the event of an accident. Because most drivers cannot reasonably pay for the cost of repairs and medical bills they cause in an at fault accident, states require auto insurance to protect both third party drivers and the policyholder.


Do you have to add your child to your car insurance if they live at a diffent house hold but primary driver of the car?

Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.


Will auto insurance cover you in an accident if you do not have a drivers license?

True


Can you file an insurance claim against both the at fault drivers insurance and the owner of the car you were driving when the accident accured?

No, The at fault driver in the other vehicle is responsible for your losses. Not the person from who you borowed the car you were driving.


If you get into a car accident and it is not your fault will your insurance go up?

Not if it is deemed to be 100% the other drivers fault and they have insurance.


If both drivers in an accident are uninsured does it matter who was at fault?

Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.


Are drunk drivers covered under their auto insurance policy in an accident?

Yes.

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