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The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.

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โˆ™ 2008-02-27 07:19:07
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Q: Which insurance would be liable if our 16 year old son was involved in an accident driving someone elses auto with their permission ours or the owners?
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Related questions

If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?

Although it depends on your insurance, the driver is covered if driving with your permission.


How do insurance companies know you had an accident?

1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.


Does my insurance premium go up if you are involved on an accident which i borrowed a friends car?

If the accident goes on your driving record, yes.


If you are driving another persons car with permission and have an accident and the car you are driving is uninsured will your insurance pay to get the car fixed sicne you were at fault?

Yes!


What happens if your child is driving a friends car without permission and is involved in a car accident and your child does not have car insurance?

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.


You were involved in a minor fender bender no police report was filed but insurance company will be notified Will the accident show on your driving record even though the police was not involved?

It shouldn't ... normally insurance companies do not report the accident to the police authorities unless a death is involved. However, since you reported the accident to your insurance and if you are at fault, it may cause your rates to increase.


Will my car insurance be affected if I am a named driver on someone else's insurance and they need to claim their insurance?

No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.


Are you covered by your insurance if you are driving in a cast and are involved in a car accident?

It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.


Is your insurance liable if your vehicle wasn't involved in a fatal accident?

If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.


If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?

No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.


Who would be held responsible for a car with no insurance if it is involved in an accident would it be the car owner or the person driving the car?

Owner.


If someone was driving your vehicle with your permission and was at fault in an accident will it go on your motor vehicle record that you were at fault?

While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).


Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?

No. The car is insured and your son's policy will provide coverage up to its policy limits.


If you have an accident while driving another person's car will your insurance or the owner's pay the claim?

Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.


Does accident insurance pay out if accident is result of drinking and driving?

No Drink Driving is breaking the rules and your own choice


If someone else gets a ticket while driving your car will your insurance go up?

If they were driving it with your knowledge or permission, yes. Actually, no it won't. Each person is liable for their own actions, regardless of the car they are in. The driver's insurance will go up and would also be liable for any criminal acts. I would assume that if someone else is involved in an accident, while driving your car, your rates will go up? Your insurance will NOT be affected if someone used your car and got a citation BUT,,, If they had an accident and had NO insurance YOU would be involved. If your registration and or insurance is not up to date, you and the driver will pay some fines and get violation points for the above.


If you are driving another person's car with permission and have an accident with an uninsured motorist running a red light will it be covered?

99% of all insurance companies will cover such situations.


If the owner gave permission to a licensed driver is the licensed driver still responsible to pay for an accident?

It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.


Will AARP cover a minor accident if someone else was driving your car?

ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.


Is the owner of a car liable if the person driving has a fatal accident?

Yes, he is liable if the person driving has a fatal accident. His insurance allows him to cover people that drive his car with his permission. If that person wrecks his car and dies, the insurance would pay the funeral expenses and give the actual cash value for the car minus the deductible.


What are green slips used for in Australia?

In Australia, the term "green slip" is used to describe a type of insurance policy. It provides you with accident coverage in case you or someone driving your car are involved in an accident.


When driving with a learner's permit and involved in an accident whose record does the accident go on?

The actual driver. Unfortunately, if the driver is your kid, and you're adding your kid to your insurance policy, it could affect your rates.


In North Carolina if you have liability coverage only and you damage a friend's car while driving it with their permission are you considered an uninsured driver by your friend's insurance company?

No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is at fault or if the other driver is known, is at fault and does not have insurance.


What happens if you dont have insurance and you get into a car accident driving your friends car - she has insurance?

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 you drive your parents car but you don't live with them and you get in an accident will their insurance cover you?

Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission). You should probably check with your insurance company to be sure, or have your parents call and ask them.