typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
As long as you have a license. The insurance follows the vehicle, not the driver.
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.
Sure. If you have no valid license, you have no business driving a car at all. If you weren't driving illegally, you wouldn't have had the accident.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
If you have an accident with an uninsured vehicle, you and your insurance company are still liable for all damages, even though the other vehicle has no insurance. The only thing that will happen to the other driver is a citation for driving with no insurance.
While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
Firstly,, If you are temporarily and unknowinlgly driving an uninsured non-owned vehicle and you do have liability insurance on your own vehicle, Then in Most cases that liability insurance from you own vehicle will follow you to the temporary vehicle as secondary coverage, so the accident may be covered under that policy. If No insurance exists to cover the vehicle then you can be subject to traffic fines for driving without financial responsibility, Impound of the driven vehicle, Possible arrest at the scene of the accident, Possible jail time, A Civil Suit may be filed against you by the claimant, Suspension of drivers license for up to 10 years or until such time as you have paid for the damages reulting from the accident. Once you have satisfied the associated losses from the accident you may also be required to maintain an SR22 Insurance filing to re-acquire your driving priveledges.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
NO, that's what the vehicle insurance is for.
Legally, its the friends because the insurance was in the friends name. Insurance checks are meant to be used on repairs to the vehicle or toward the purchase of a new vehicle. So you could try to force the friend to use the check toward the vehicle by taking them to court. Or you can start paying for your own insurance and not have to worry about the loyalty of your friends.
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
Yes you can cancel it. But if you have vehicle then you should have vehicle insurance.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.
If she was driving your car, notify your agent. If it was her mom's car, then her insurance is responsible, and, of course, if your daughter was driving her own vehicle, she would have her own insurance.
First of all, if the driver was driving your vehicle with your permission, your auto insurance will cover the accident expenses. Automobile insurance is issued to cover the vehicle. If the vehicle was stolen, that's quite a different matter - your local law enforcement agency will have better information.
No, The at fault driver in the other vehicle is responsible for your losses. Not the person from who you borowed the car you were driving.
you must have your own insurance on the vehical to be covered, if you did not have insurance you are braking the law and therefore no there is now way out.