As the registered owner you can be held responsible and financially liable for the actions of the drivers you allow to operate your vehicle.
It would therefore be advisable to maintain your auto insurance.
In the United States, anyone who is able to get a driver's license can get car insurance. The driver's license holder must be have insurance in their own name, or they can be added to a primary driver's insurance.
It is if you are listed on the policy as a driver.
it may depend on the state, but when I was in the insurance business in Tennessee, the primary insurance on the car kicked in first, then if that insurance didn't cover the damamge (IE: insurance limits were too low, or there was no primary insuance) then the driver's insurance kicked in.
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.
yes, simple as that.
There are 3 possibilities: You ARE responsbile (or partly responsible) If (1) the un-insured driver is a minor and you are their parent or guardian (2) you are the owner or part-owner of the vehicle they are driving (3) the un-insured driver is on your insurance. Other than those factors, you would not be responsible for them.
Is he really the primary driver? Who's name is the policy under? Generally being the holder of a policy makes YOU the primary. Check with your company.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
In general you need a license to get insurance for your car, but if yours has been suspended it is still possible to get insurance by selecting a primary driver, such as your spouse.
There are a few websites that offer cheap car insurance for teens, you can search for it online. There are also a lot of ways to reduce the insurance like keeping the teen as an occasional driver or by taking a driver-training course.