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Answered 2007-02-09 00:06:57

Insurance follows the car, not the driver. If you had permission to use it you should be fine. If you were cited for a traffic violation, you should just pay it ahead of time and then apologize profusely to your friend, since you just raised his rates for several years. If there was an accident and it involved any serious amount of money / injury, shell out the $70 and ask an attorney.

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What happens when one of the involved parties does not have auto insurance at time of the accident?

Assuming in this instance the uninsured driver is the one at fault, he or she is still liable for any property damage & personal injuries that may have resulted from the accident. The injured party will make a claim against his or her uninsured motorist policy. But that insurance company can, and often will, sue the uninsured driver.


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