Although it depends on your insurance, the driver is covered if driving with your permission.
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.
If the accident goes on your driving record, yes.
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.
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
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.
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.
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 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.
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.