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. 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.
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.
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.
Only if the insurance covers more than one driver. Check the 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
It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
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.
Yes. It is your car, you are responsible.Owners LiabilitySince you state that the vehicle and the insurance is in your name. Then presumably your insurance will have to pay the bill. That means the accident will go on your insurance claims record and can effect your insurance rates for the next 3 to 5 years.Remember that a vehicle owner and the driver are both equally, severally and jointly 100% liable financially for any damages or injuries arising from the permissive use of your vehicle.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
More than likely your insurance. Check with your insurance carrier for the answer.
If your friend was at fault- then your insurance policy will pay first. Always remember the insurance follows the vehicle, NOT the driver. If the costs of the accident exceed your policy limits, your friend's policy will respond next.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
Your Friend Will get multiple traffic tickets for driving without insurance and without a drivers license. If your friend has an at fault accident. The other party or his insurer can sue both you and your friend for any and all damages incurred. They can sue your friend because he was the driver and they can sue you because you are the owner of the vehicle who allowed him to drive your vehicle. .
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
yes. plain and simple. you lent the car and then they are a permisable driver. As long as they are not n excluded driver or a resident in your house. It depends, if your policy is a named driver & the driver is not named, your policy will not respond. If your policy is a standard auto policy then yes, your policy will respond.
About the only time that there is no coverage for a permissive driver is when that person has been officially excluded, in writing, prior to the accident. All normal provisions of the policy should apply. You and the driver of the car must cooperate with the investigation of the accident with your insurance company.
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
Assuming your friend has insurance, they would file a claim against the other insurnace company. If your friend doesn't have insurance, you'll have to pursue your firend civillay to recover damages. Insurance follows the driver, not the car, so it doesn't matter which state the accident was in.
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
No way! The insurance certificate specifies who may drive. It will not include unlicensed drivers! Even a licensed driver, but driving without the owner's permission will not be covered by the car owner's insurance.
Someone driving your car with your permission is usually covered by your insurance. There may be some special circumstances which can negate that, so it's hard to say specifically for your case. If your insurance company is resisting, you may need help from your agent or an attorney.
yes because if you have insurance on your car as long as you name is on the title and you were in the car with your friend most likely the insurance will cover it
If you're asking if your friend can simply borrow your car occasionally, and you carry full coverage and liability on the car, then yes, you should be okay. Car insurance follows the vehicle, so even if your friend has his own coverage and had an accident while driving your car, your insurance would still be primary. If, however, you're talking about allowing your friend to drive the car all the time, on a daily and/or regular basis, you could face problems if you don't let your insurance carrier know that your friend is using the car all the time. This is because the premiums you pay are based on you as a driver, not your friend.