The principal driver is the person who drives the vehicle over 50% of the time. This is the main driver of the vehicle and the person who will be rated as the driver for computing the cost of the insurance.
As long as you have a license. The insurance follows the vehicle, not the driver.
I believe so. The owner would have to include the principal driver of the vehicle for the insurance rate.
Yes the driver who is not at fault can very well file a suit but one thing is very clear he can not claim any insurance. Yes he can file a civil suit against the other driver. It is done approximately a million times every day. sometimes with no just cause.
YOU were the driver and they can sue you and your girlfriends insurance company (your girlfriend too if they wish). They will focus on the insurance company if you do not have any assets.
He gets arrested.Added: You could consult with an attorney to determine if you have a suit against the cab drivers employer. If it was an "independent" cab (driver-owned) then you might have a suit against the driver and/or his insurance company.
On your insurance, driver hit TP means third party. This basically means that if you hit anyone, that person can claim against your liability.
Yes you can borrow it, but if he doesn't have insurance then you could be breaking the law.
If a claim is made against his insurance...yes.
You can file a claim with your insurance company. You can also get a lawyer and file a lawsuit against the drunk driver.
If you are at fault in the accident than the other driver will make a claim to your insurance co.If the other driver sues you than pass the paper work to your insurance co and let them handle the case.
Insurance follows the driver.