It depends on your policy and the state that you live in. In most states the insurance follows the vehicle and not the driver. Therefore, the driver having coverage on another vehicle will most likely do you no good. The only coverage that may transfer is medical payments which may pay if the driver had injuries but even that will not pay for anyone elses injuries. Medical payments will pay if you get hit by another car will walking across the street. Remember that state laws will determine some of these facts. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.
the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver
The owners name and address should be listed on the accident report as well as the driver of the vehicle and who was at fault in the accident.
Yes.
No, the vehicle's owner's insurance is liable. The insurance is on the specific vehicle, not on the driver. It does not seem fair, but that is the way it is. Nathan C
Both the "Driver and the Vehicle Owner" can be held jointly and severally "Liable" for an accident. If the driver of your vehicle was at fault and had the permissive use of your vehicle, Both the driver and the vehicle owner can be sued for damages and injuries. The driver, If at fault, would be financially liable because he was the direct cause of the accident. The vehicle owner is financially liable because of fault through the owners negligence in allowing an uninsured driver to operate your vehicle. The legal rational being that had you not allowed this uninsured person to operate your vehicle, the accident would never have occurred. So the owner is also a direct causation factor in the accident through the owners negligence. It's not a good idea to let people drive your vehicle if your not sure your insurance will cover them, Basically it is the responsibility of a vehicle owner to insure that all permissive use drivers are covered. As the owner you can be left with the bill for all damages and injuries sustained as a result of your choice to loan out your vehicle.
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.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
the owner of the car with insurance will be responsible
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
The unlicensed driver is responsible for all damages. If they are a minor the parents may be forced to take responsibility. Sadly, the owner of the vehicle MUST make any insurance claims they are eligible to make. The owner can ask the unlicensed driver to pay any excess on the insurance and even take them to court if they refuse to pay it. The driver of the vehicle is responsible to pay any amounts not covered by the vehicles owners insurance, including damages to the car. If the insurance premium goes up or you loose your no claim bonus then I'm sorry but the driver is not liable for that. If the unlicensed driver drove the vehicle without permission from the vehicle owner then the vehicle owner must report that the car was stolen at the time of the accident, then provide the insurance company with the police report number (you can tell the police you don't want to press charges). Under these circumstances even if the insurance company pays out damages for the vehicle they may chase the unlicensed driver to pay them back.
Yes, I recently bought me insurance and they asked if I was going to be the driver or not.