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Who pays when driver is not the car owner but has car insurance?


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Answered 2005-08-27 20:17:28

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.

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If the car is not insured the at fault driver paysIf the Car is insured and the car was properly lent to the at fault driver the insurance company paysProperly Lent:Owner allowed driver to take carInsurance covers other drivers when car lent.



It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.


Yes. ... and no... the person that owns the car actually has to be the polcy holder. But you can be a listed driver and the one who pays it and get experience for having insurance. the owner of the car doesnt even have to be a driver. But because she/he owns the vehicle they have an insurance interest in the car and must own the policy.


no the person that owns the car actually has to be the polcy holder. But you can be a listed driver and the one who pays it and get experience for having insurance. the owner of the car doesnt even have to be a driver. But because she/he owns the vehicle they have an insurance interest in the car and must own the policy


When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).


THE POLICY HOLDER, WHO IS USUALLY THE OWNER OF THE TRUCK IS RESPONSIBLE FOR THE DEDUCTIBLE. If the truck driver is fully responsble for the accident, his insurance should pay for the damages to the car and there would be no deductible. If the car owner went through his coverage first to get repairs done, then the car owner is responsible for the deductible. Then the car owners insurance would go through subrugation to the truck drivers insurance to get full payment of the loss. When that is completed, the car owner would get his deductible returned to him.


The Insurer of the at fault driver pays for the accident.


car's owner (you paid for it) I believe it must be with the car. If you lend the car out how is the driver to prove insurance?



Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.



If a taxi driver hits you, and its his fault, the cab company's insurance pays.


The owner of the car is responsible for the damages that car creates, regardless of who was driving. If there is a lawsuit, the insurance company is certainly going to enjoin the driver. And you need to read the insurance policy carefully to know whether they cover other drivers.


No,, You have to buy the auto insurance for your car or you have to make sure the owner of the car you are driving has the required insurance and that it will cover you as a driver as well.


It is always the at-fault party's responsibility to pay for the damage they cause in an accident. Insurance is a transfer of risk from the driver to the insurance company, but if the coverage (collison) does not exist on the car, then the driver will be responsible to pay out of pocket for the damage.


Some insurance companies will sell the car back to the owner. Others sell the totaled car to a salvage yard.


In this state, your own company pays your hospital bills up to $10,000. The at fault driver pays all costs above that amount. The at fault driver pays all costs above that amount. The at fault driver pays for all car repair bills.


The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.


If a person that is not covered by the insurance of the car being driven is given a ticket, the driver is responsible for the ticket. The insurance company that covers the car can tell the owner what affect it may or may not have for the policy owner.


the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver


Car insurance typically follows the owner of the vehicle, not the driver. In the cae of an "excluded driver", unless that driver has his own policy that assumes coverage for a "borrowed" car, the original vehicle owner would be considered pursuable as an uninsured motorist.


You do and then turn around and sue the driver for the cost of your medical care.


The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver


Car insurance that pays for your injuries when you're in an accident in your car is