It does if you specify this on your application. Different insurance companies have different requirements, but whatever the policy, you need to be clear about the make and model of the vehicle.
If its comp and collision then it should be fully covered
ABSOLUTELY NOT. You cannot insure a vehicle that you do not own on your insurance policy no matter what kind of coverage you have. Your insurance policy will not pay anything even if you have added the vehicle on your policy without their knowledge.
In most cases they can drive your vehicle but most insurance companies have restrictions on the age of the driver, usually 25 or older. It is best to check with your insurance company before letting someone else drive your vehicle.
Answer is No workmens comp is only applicable to injuries sustained while on the job, damages to a vehicle are not part of workmens comp.
unless your insurance is fully comp u have no claim because the accident was your fault
Of course you can drive it... you can drive any car you want... I think the question you are asking though is whether or not it will be legal to drive and whether or not an out of force car insurance policy will cover you if you wreck the vehicle even if it has a current tax and license... right? The answer to those questions is NO. If the current owner's coverage is not in force, it is not legal for you to drive the vehicle unless you have a Non-Owner Insurance policy which insures any vehicle you drive. An out of force policy will NOT cover you at all. Whether the vehicle has current license and tax has no bearing at all on whether you meet your States insurance guidelines.
yes becouse the gravity of the earth
In the UK, if you are insured fully comp for your own vehicle you are covered to drive any vehicle for third party damages, unless your policy states otherwise. Some policies allow you to drive any other vehicle fully comp. Check your policy.
yes i think they will
if you don't have an up to date MOT then your insurance is null and void. if your car is stolen then you are only covered if you have fully comp insurance!
Depends on the car. I bought a 2000 ford escort 1.6 with 40k miles on the clock for £400, so it wasnt worth going fully comp. If you are paying more though, and the car has been fully repaired, then definitely go fully comp just incase.
You need to make a claim against the neighbors homeowners insurance for damages. Since it sounds like it was an "act of god" they may not cover the damages. In that case you have two choices, you could use your comp insurance to cover damages, if you have comp coverages on your policy, or pay the damages out of your pocket and see if the neighbor is willing to help out with the charges.