the owner of the vehicle is responsible for the ticket. he/she/they are legally required to at least have the minimum liability coverage your state requires.
If you were cited then you need to appear, if you have coverage on another vehicle then you should bring that proof with you as you should be technically covered for driving another persons vehicle.
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
No. Even if you have commercial insurance on your vehicles, you are still responsible for providing the insurance company with a list of drivers. If you do not notify them of the people driving the vehicles they can still deny coverage as you are not obeying the terms of the policy.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
Yes, If you have made auto insurance coverage in Reno, it is valid throughout US.
Only if the car you are riding in has insurance coverage.
Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.
Depends on your location, age, driving record, type of coverage, and the insurance company you have chosen.
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
Yes. You are driving so you are responsible.
ANSWERYou should be OK, as long as, you had permission to drive that vehicle. In any case since you were not at fault, the other driver's insurance co. is financially responsible for all damages. However, in some other cases, it is recommendable to review the policy of the car you were driving, in case the other vehicle had a liability coverage only.
The level of coverage generally depends on your insurance companies. Most quality insurance companies will cover you in the company car, however.