In most states in the United States, you do not need to carry proof of insurance with you, but you must be able to produce it in court. No penalty exists for not having proof of insurance with you. Most cars come with a folder in the glove compartment with two pockets. One pocket is for the registration and the other is for the insurance card. Inform your friend.
What will happen in court will probably depend on the other information on the citation.
If your asking will your auto liability insurance pay for a traffic citation, No. They don't pay for the illegal acts of the insured. Your auto liability insurance is accident insurance.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
If the car that was involved, in an acident was insured yea!
You can't sue the Insurance co, but you can sue their insured, the defendant. Since the insured has a valid policy, the Insurance co is obligated to represent him.
You can't unless they tell you who they are insured with. Who a person is insured with or even if they have insurance is a private matter between the insured and the insurance company. Now, if there is an accident and the police come to the scene they will collect that information and put it in the accident report. This is why it is crucial to always call the police to the scene of the accident no matter how much the other person begs to give them a break. Always, always!!! call the police to the scene of an accident. The exception is if the accident is on private property.
Collision
In general, insurance follows the car rather than the driver. So, if your sister is driving your insured car and is involved in an accident, your insurance would typically be the primary coverage for the incident. However, it's important to review the specific terms and conditions of your insurance policy to confirm this.
the owner of the car with insurance will be responsible
It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.
Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.
C. Comprehensive
Yes.. but make sure you have good documentation with dates on the accident reports.