I believe most insurances will cover the damages if the car is insured and you have a license, but if you do not have a license the insurance will not cover anything you are both liable. Your friend is liable for loning you the car without a license and you are liable for driving it.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
In the US insurance has nothing to do with speeding. If your state has mandatory insurance, the fact that your car is insured is good enough but the officer may want to see proof of insurance. Here it is the vehicle that is insured, not the driver. In UK you should not let anyone drive your car on the public road without checking they are insured. You can be fined if you let them drive without insurance.
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators. The person responsible for paying for the resulting damages may be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the operator may be responsible for paying the damages, even though the operator is not the insured person.
First of all a friend does not borrow your car without your permission- if they used it without your permission they really arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating that the person did not have your permission to use the car. Otherwise your insurance will cover the loss and your rate may jump or you may get cancelled. Your call- depends on how much the claim is and how good the friend is
The driver of the vehicle would be considered as secondary. Say you own a car, and are insured with company X. You let a friend borrow your car, and they have insurance with company Y. If there is an accident that exceeds the limits of the policy for company X, then company Y would pay up to their policy limit to cover the remainder of the balance for damages. If the driver does not have their own insurance, then potentially both the driver and the vehicle owner could be sued and be responsible for damages.
Yes. It is your car, you are responsible.Owners LiabilitySince you state that the vehicle and the insurance is in your name. Then presumably your insurance will have to pay the bill. That means the accident will go on your insurance claims record and can effect your insurance rates for the next 3 to 5 years.Remember that a vehicle owner and the driver are both equally, severally and jointly 100% liable financially for any damages or injuries arising from the permissive use of your vehicle.
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