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.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
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.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
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.
It could be, I would file a claim to make sure.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
What would you file a claim for? The vehicle is not yours and it's a minor accident with no injuries, so you have no loss.
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a 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.
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
The owner of the vehicle is responsible for whatever it does unless you can prove that someone else was driving.
While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).