Assuming that you are referring to a collision involving a negligent party (the "third party") and a non-negligent party, it depends upon the type of harm caused.
1. If property damage results from the collision, the at-fault party is responsible to the owner of the car that he/she damaged. Damages are measured by the reasonably cost of repair. The innocent party may also generally recover other out of pocket expenses that are directly related to the collision These may include, for example, the cost of a rental car while the damaged car is undergoing repair.
2. If the innocent party or an occupant of the car is injured, he or she may recover damages for the bodily injuries. However, most states impose thresholds of severity of the injuries that must be met before a lawsuit can be brought for injuries against the at fault party. The threshold is sometimes stated in terms of whether there has been a "permanent injury" (as determined by a medical professional), or by a stated amount of medical expenses. What the threshold is is a matter of state law.
If a driver is not an owner of the car and he also doesn't have insurance of his own and unfortunately hits a car, in such a case if a car is already insured by the owner, he will be covered against the third-party damages. But if a car is not insured, the owner is liable here to pay the damages that third-party oo another car had faced.
The basic insurance/third-party liability covers third-party persons. But if you have comprehensive car insurance, it not only covers you, third-party persons but also your car.
The Driver is the primarily responsible party, however, Both can be held liable depending on the circumstances.
if the third party had permission (or implied permission) to drive (from an owner or agent of the owner) and the policy doesn't exclude them.......the owners and the driver will be held liable.....
Both the driver and owner of vehicle are responsible. The injured party would sue you both.
I was recently involved in a car accident in which the driver of the other car is legally at fault. Is the other party's insurance still liable for damages involved if the at fault driver is: 1. not the owner of the car, 2. not the insurer of the car, 3. does not have a license. Thanks!
The operator of the vehicle (driver) is legally responsible for the contents of the vehicle and can give consent to search the vehicle. As long as the consent was given voluntarily, not coerced, and the person consenting has actual or apparent authority over the vehicle. This is considered a "third-party consent scenario." The third-party driver of the vehicle can consent to a search while the owner is present as a passenger. Rodriguez, 497 U.S. at 186. A critical factor to consider is whether the owner/passenger objected to the search.So the question is: Did the owner/passenger object to the search?" If not, I don't think the owner has an argument.
the owner of the car with insurance will be responsible
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
the owner but the driver is who endorses that company
Third party car insurance or third party liability is also referred to as the 'act only' cover. It is a mandatory cover under the Motor Vehicles Act to ensure that the driver has adequate insurance coverage to pay for the damages resulting from an accident. The first party over here is the driver of the car, the second party is the insurance company and the third party is any person (injured or who claims damage) involved in the accident. For More
You must be the owner's personal driver, I guess.