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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.

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βˆ™ 2006-08-28 15:06:49
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Q: Who is at risk for being sued when your son lends your jointly owned car to a friend who then hits a pedestrian and the insurance is in your son's name with you listed as the second driver?
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Related questions

Is it against the law if my car insurance has my friend's name as the principal driver in my car insurance?

No.


You purchase the car at the dealer for your friend does the insurance has to be under your name also?

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.


Who's insurance covers you if you drive a friend's car but only have a learner's permit and your parent's and the friend are insured?

Usually the insurance on the car covers any permitted driver unless that driver is excluded in writing.


My friend was driving my car and got a DWI when she asked what insurance it would affect the officer said it would affect the car owner's insurance and not hers' the driver's Is this true?

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.


Whose insurance should pay if you get in an accident in your friend's car and damage is done to the car?

Insurance follows the vehicle, not the driver.


If you drive a friend's car alone and do not have insurance are you breaking the law if the friend has insurance and you have a license?

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.


What happens when an uninsured driver borrows a friend's uninsured car and gets into a wreck?

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


If you are driving your friend car and you get in an accident would the insurance cover the claim?

Only if the insurance covers more than one driver. Check the policy.


Whose insurance is affected when a friend gets a ticket when driving your car?

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.


What can you do if you are hit by another driver and got their license number and the police charged them but their insurance will not pay because the owner says a friend was driving the vehicle?

It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.


Who would be liable if you were driving a friend's vehicle and got into an accident and they did not have insurance?

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.


Can you insure a friend's vehicle so he can register it for plates if you will be the primary driver?

NO. The insurance policy has to be in the name of the titled owner.

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