Should who's insurance cover who's car??? The Brother who owns the car will have to file the claim with his insurance policy. Insurance follows the car, not the driver. If you didn't have the Sister listed on the policy as a driver the company can deny the claim for material misrepresentation. Then you will have to pay the claim yourself.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
NO, that's what the vehicle insurance is for.
If the car that was involved, in an acident was insured yea!
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.
Then the people will be charged with insurance fraud.
That would be a very Bad Idea. Non Owners Insurance does not cover an accident in a vehicle to which the non-owner has regular use and access. It also will not cover an accident in a vehicle that belongs to a member of the same household. Not sure will depend on many factors, contact an agent/agents and request some quotes.
Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care of the damages.
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
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.