Although it depends on your insurance, the driver is covered if driving with your permission.
you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.
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.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
Whether or not someone is covered under your insurance policy in the event of an accident should be outlined in your individual policy. Insurance coverages also vary from state to state and the type of limitations on the individual policy could also be a deciding factor on if someone was covered while driving.
ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Do you have car insurance? Yours will cover it. Your friend if he is a true friend, will cover the deductible.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
You guessed it!
depends on the insurance company