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!
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
If the accident goes on your driving record, yes.
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.
It all depends on her insurance cover
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
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.
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.
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.
depends on your insurance plan, call your adjuster.
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
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.
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.
As long as you have a license. The insurance follows the vehicle, not the driver.
Yes you can, it's called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance follows the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to decide if they'd accept liability.
Only if the friend gets into an "at fault" accident.
Yes, unless you are under the influence of alcohol or drugs
Answer If you have Auto Insurance and it's on your parents Insurance Plan then yes you have Insurance, but if you are on a friends Insurance Plan, I don't think you'd be covered in an accident unless that person is your girlfriend, boyfriend.
the owner of the car as in you not your friends sorry
Ordinarily, a person must be named on the policy as a user of the vehicle in order to be insured under the liability coverage. This is because in setting the premium, the insurer takes into account the driver(s) ages, experience, driving record, and other factors.
Your are insured. I just called 3 agents. Progressive, Geico, and all-state. Again, every state is different. In Wisconsin, the insurance follows the car, so if you borrow someone's car, you are borrowing their insurance. This means that if you lend your car to someone, and they have an at-fault accident, your insurance will be primary (theirs is secondary), and it is likely your insurance rates that will be affected!
Hopefully, both you and your friend have insurance. If you do, you call the insurance companies. If the other guy caused the accident, you let the insurance companies fight it out. Likewise, if just one has insurance, you call that company. On the other hand, if you caused the accident and both you and your friend have insurance, you call the insurance companies. If just one has insurance, you call that company. If neither you nor your friend have insurance and you caused the accident, you are in deep trouble. You could be out a lot of money. In either case, you only talk to the cops. You do not assume any blame even if you are at fault. You just give the facts. You can say the light was red when I entered the intersection. You have to tell the cop the facts or you can go to prison. Still, you do not say, "It was my fault." You do not assume blame. You do not make value judgements.
Legally, its the friends because the insurance was in the friends name. Insurance checks are meant to be used on repairs to the vehicle or toward the purchase of a new vehicle. So you could try to force the friend to use the check toward the vehicle by taking them to court. Or you can start paying for your own insurance and not have to worry about the loyalty of your friends.
NO! Buy your own insurance! Or get him to!
It depends. If you are going to be driving a car in most states, the state requires you to have insurance. Your friend's insurance could cover you but if you hurt somebody in an accident they will come after both you and your friend, so its important to have your own coverage. You don't want to lose all your money and all your possessions to a person you hurt just because you don't have insurance. If you don't own a car (like if your employer provides you a leased car and its the only car you drive), you can still buy insurance called a 'non-owners' policy. This would be good if you are going to be driving your friend's car a lot.
if there is insurance it should pay for the loss