Insurance follows the vehicle, not the driver.
If the damage occurred during the accident in question, then it should.
the insurance of the person responsible for the accident
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
It depends entirely on your insurance, the other driver's insurance, who's at fault and what injuries and damage were involved. Nobody should 'make' money due to an accident, but they should be put back in the shape they were before the accident or compensated for what can't be returned to the original status.
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
claim 4 insurance.
In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.
Driving a vehicle raises the risk of an accident. An accident may damage one's own vehicle or may damage a third party. This may cause financial or legal penalties to the owner of the vehicle. To avoid all or to compensate for the consequences we should opt for insurance. There are 2 types of vehicle insurance. Third-Party Insurance: - Comprehensive Insurance
they should, as long as you report it soon
Most insurance companies will instruct you to call them first when you have an accident, unless there are injuries. You should call the police to get an accident report.
if there is insurance it should pay for the loss
Your auto insurance should be lowered if you do not have an accident or tickets for a year.