Hopefully, no one needs to get sued; that's what insurance is for. Unless there are special circumstances, like the son lent the car knowing the driver was unfit or unqualified to drive, the actual driver would be sued, regardless of insurance. The driver took responsibility for the vehicle and committed the act, so he or she is directly liable.
No, insurance does not always follow the owernership of the car unless you and your friend live in the same house and you have your driver's licence. If you tell the insurance company that you are not going to drive the car at all time and main driver is your friend, then you do not have to be under the same insurance.
Usually the insurance on the car covers any permitted driver unless that driver is excluded in writing.
No. Driving records follow the driver, not the car. Unless your friend is listed as a driver on your insurance then your insurance company is never going to find out about this/isn't even concerned with this.
Insurance follows the vehicle, not the driver.
Unless the policy has a clause that says it is only insured for listed drivers, the insurance follows the car. If it is listed on your friend's policy, it is covered whenever a licensed driver is behind the wheel. This is assuming that you are only borrowing the car temporarily. If you are using it long-term your friend should have you listed as the primary driver on his policy.
Both the uninsured driver and the friend are in trouble. My GUSS IS the uninsured friend will be liable to any damages he has caused The uninsured friend will be responsible for the damages to their car If insurance is required in your state, the uninsured friend and/or driver could face criminal charges
Only if the insurance covers more than one driver. Check the policy.
Insurance follows the car, and points follow the driver. which means that the friend will receive the ticket and the points against his insurance. However, your insurance will pay for your car and you should not receive the points for the ticket. Check with your state for insurance guidelines.
It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.
The driver's insurance would then be considered "secondary," meaning if the owner of the auto didn't have insurance, then if the person driving the car had insurance, they would be liable.
NO. The insurance policy has to be in the name of the titled owner.