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I let a friend drive my car and they had an accident whose insurance pays?
Wiki User
∙ 14y ago
Wiki User
∙ 8y agoAuto insurance follows the named insured's legal liabilities. If you are liable for the accident and the driver fits the definition of a covered driver under the terms of your auto policy, then your insurance will pay for the damages. If you gave your friend permission to drive then both you and the driver are legally liable for an at fault accident.
In the United States the auto insurance on the vehicle being driven is considered primary coverage. Any trailing coverage the driver has on another auto insurance or drivers policy is considered secondary coverage that can invoke when and if the damages exceed the policy limits on the driven vehicle. Should it be determined that the vehicle being driven affords no coverage to the driver then the drivers own policy can step up to first place coverage for his or her liabilities in an accident. It may not however cover the vehicle owners liabilities.
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Whose insurance should pay if you get in an accident in your friend's car and damage is done to the car?
Insurance follows the vehicle, not the driver.
Whose insurance should you call after an accident?
After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.
Whose insurance should I call if there was a car accident and it was their fault?
I would call their insurance, if you did not know who they are or they didn't have insurance, I would call your company and they can get the ball rolling.
Your car was in an accident in Florida It is registered in New York the insurance was in cancellation the car was not being driven by you and was totaled what is your recourse?
Your question is extremely confusing. Whose car is registered in New York? Whose car lacks insurance? Whose car caused the accident? Who was driving the car? All of that may or may not be relevant. In Florida the person who caused the accident is usually responsible for property damage whether or not he or she has car insurance. It does not matter where the car is registered. In Florida, people go after both the driver and registered owner. The driver caused the accident and the registered owner gave the driver permission to drive the vehicle. Collecting one cent is frequently a different matter.
If you are a passenger in another persons automobile and you sustain injuries in an accident whose insurance pays for medical bills?
The insurers of the driver who was deemed to be at fault for the accident.
Whose insurance pays if a friend damages your car while driving it?
Yours
If you drive your parents car but you don't live with them and you get in an accident will their insurance cover you?
Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission). You should probably check with your insurance company to be sure, or have your parents call and ask them.
If a car is titled to an 18- year old but she is under her parents insurance policy whose responsible if she gets in an accident?
She is.
Whose insurance covers you if you drive a friend's car but only have a learners permit and your parents have the same insurance company?
I hope you're asking this before you need to know, not after.In most cases the insurance is on the car, not the driver, so it would be the car owner's insurance. Generally, the insurance will cover someone driving with the owner's permission, but there could be an exclusion for someone with a learner's permit. You and your friend should know before you drive the car. If we have a driver's license and covered under an insurance company for our car, can we still drive a friends car which is covered under a different insurance company. And which company will cover the car in this scenario.
If you are at fault in an accident while driving your friend's car whose insurance will cover it?
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
If you are in an accident with someone whose insurance lapsed but you have full coverage will your insurance cover it?
Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.
Whose insurance pays when a 16 year old totals a friend's car if she had permission and the friend was with her but neither had serious injuries?
insurance stays with the car......if collision coverage on the vehicle it would pay......
