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I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car At Fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!

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โˆ™ 2011-09-13 11:57:50
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Q: What happens if a car accident was not your fault but you were driving a friend's car that was insured by liability insurance?
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Related questions

If you have an accident driving your friends car who insurance covers?

typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........


Does my insurance premium go up if you are involved on an accident which i borrowed a friends car?

If the accident goes on your driving record, yes.


What happens if I'm driving my friends car and i get into an accident but my license is suspended will her insurance cover the damage?

It all depends on her insurance cover


You have no car or insurance if you drive a friends car are you covered by their insurance?

Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.


What happens if you don't have insurance and you get into a car accident driving your friends car she has insurance?

As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.


If your insurance ran out on your friends car can you take your insurance card and put it in that vehicle and be covered?

NO!!!! However if you are the one driving your friends car your policy may provide some protection with regards to your liability but only if you are driving. Your own liability usually only follows you to another car if you are using it temporarily as a substitute for your own insured vehicle. Even then, your insurance would be secondary to the owner's policy and your insurer would expect it to be insured. Before I even thought about driving an uninsured car, I would check with my agent to find out if I would be covered. It would be a lot cheaper to buy your friend an insurance policy than to pay the expenses for even a fairly minor accident.


I wrecked my friends car will my liability insurance replace her car?

No. Their insurance will cover the damage to their vehicle, though they will not be happy about an unlisted driver being behind the wheel having an accident. If they have no physical damage coverage it will not be repaired or replaced.


Your son was driving his friends car with permission and got into an accident - does he have to pay top fix the car himself or does insurance cover this.?

That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.


If you borrow a friends car and wreck it will your liability insurance cover the damages?

depends on your insurance plan, call your adjuster.


What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?

Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't


What happens if you dont have insurance and you get into a car accident driving your friends car - she has insurance?

Her insurance may state 'other drivers with the insured's permission' in which case her insurance would at least in part cover damage to other people/cars, but probably not to her own car. If her insurance does not have that clause, you are probably in trouble.


What happens if your child is driving a friends car without permission and is involved in a car accident and your child does not have car insurance?

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.

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