If you were in an accident yes it would, if you are talking about having insurance to cover criminal charges and fines, I'm pretty sure that is illegal.
Drivers insurance typically refers to insurance coverage that is specific to an individual driver, such as personal injury protection or uninsured motorist coverage. Car insurance, on the other hand, refers to coverage for the vehicle itself, including liability, collision, and comprehensive coverage. The key difference is that drivers insurance focuses on the driver's protection, while car insurance focuses on the vehicle's protection. These differences can impact coverage and premiums by determining which aspects of an accident or incident are covered and how much coverage is provided for each. Premiums may vary based on the level of coverage needed for both the driver and the vehicle.
Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.
If you allow another driver to hit your vehicle? If you then file an insurance claim you are guilty of insurance fraud. An intentional act is also excluded from coverage under your policy. You will likely receive no money for the claim, be charged with fraud, go to prison and pay a large fine.
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
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.
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
Barring any exclusions in the policy, the insurance 'stays with the car' so your insurance will pay for the damage to the innocent persons vehicle (under your liablity coverage). If you have collison coverage on your vehicle/policy it too will pay to repair your vehicle less the deductible. If there is no collision coverage on your vehicle and the driver has a policy with collision coverage the drivers collision coverage may step in and repair your vehicle, but ONLY if you don't have collision coverage.
It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.
If you are the victim of a hit-and-run driver, your own auto insurance policy can provide coverage if you have uninsured motorist coverage or collision coverage. Uninsured motorist coverage specifically protects you in cases where the at-fault driver is unidentified or lacks insurance. Collision coverage can help pay for the repairs to your vehicle, regardless of who is at fault. It's essential to check your policy to understand the specific coverage and limits you have.
You have no insurance at all on the vehicle correct? And no other vehicles that have insurance? If the driver has insurance then that is where you need to go to look for coverage, if they are uninsured as well, then assuming he was negliegent (not all ped. accidents are the fault of the vehicle driver), then you will need to bring suit against the driver. Again assuming he was negliegent.
for the driver - there will no coverage. For the passenger the same as well. It is your responsibility as a passenger, to be sure that the vehicle you are driving in is INSURED, always.
Depends on the driver's age & driving record, location, model, vehicle age, coverage and insurance company, and other factors.