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.
No. The person driving is the responsible party.
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.
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.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
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.
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.
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.
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.
Not if it is deemed to be 100% the other drivers fault and they have insurance.
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.