It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.
When driving behind another vehicle at night,
Not necessarily. The driver's age and driving record are more relevant to the cost of auto insurance.
This depends on the insurance policy. Usually your car is covered, no matter who is driving it. However, if you are driving a car and the owner doesn't have insurance, then your insurance would pay if you got in an accident.
You will be charged with property damage and driving without a license and most likely driving without insurance. Not good.
insurance is insurance as long as it wasn't done to profit the owner/ yes you are covered
Can you be charged with dui if you are stuck and behind the wheel but car not running
The insurance will not stand if some one else was driving the car, in Florida.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person's vehicle. Because, several years ago, I drove my friend's vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn't mine! But, they told me that it doesn't matter! I should have had liability insurance anyways, if I was planning on driving someone Else's vehicle!
You will both be charged by the police with driving without insurance. This may make it difficult or very expensive for you to get insurance in the future. There will be no coverage for damage to either vehicle or any bodily injury
The standard insurance companies would not insure you if you are involved in drunk driving. Once you are charged with drunk driving, the standard insurance company will cancel your policy, subject to your insuring yourself in the specialty market - high risk insurers like Pilot insurance, Echelon insurance or any other company.
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.