His liability insurance on his car should transfer to the vehicle that he is driving.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
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.
The basic insurance/third-party liability covers third-party persons. But if you have comprehensive car insurance, it not only covers you, third-party persons but also your car.
When you cause an accident that damages another vehicle or hurts someone
Liability insurance only covers damage you did to the other vehicles, property, and persons. It does not cover any damage to your vehicle or yourself. Towing your vehicle would only be required if it was damaged, so your liability insurance won't cover it (but the other person's liability might depending on the actual findings of fault).
You home owners liability insurance should cover it.
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.
No. Unless you killed somebody's pet deer, liability insurance is no value. Liability insurance covers the damage you do to somebody else's property or person. Collision insurance covers damage to your vehicle when you strike an object or animal or when your vehicle is damaged by someone unknown, as in a hit-and-run accident.
Certainly, liability insurance has nothing to do with who owns the vehicle. It deals with protecting the owner of the vehicle if sued as a result of an accident. Collision and theft protect the owner of the vehicle from loss.
Unfortunately, there is nothing you can do with your insurance company. If you only have liability insurance, they do not pay anything to have your vehicle replaced.