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As a rule, insurance follows the vehicle, not the driver, therefore; if the car isn't scheduled on a policy, one should not assume there is any coverage. The only exception would be if a person carries a policy for themselves as a named insured. Say, I had an insurance policy for myself on my own car and I wanted to drive my sister's car. My sister doesn't have her car insured. The LIABILITY portion of my coverage would extend to me as a driver on her vehicle.
Liability covers bodily injury and/or property damage to a third party. So, if I wrecked with another party while driving her uninsured vehicle, my own auto insurance would coverage any physical damage or bodily injury incurred by the party I hit, but that's it. It will not pay to fix my sisters car. It will not pay for any injuries I may have sustained.
You can usually purchase "non-owned" auto physical damage, if you choose. Were this coverage in place, the physical damage to my sisters car would be covered too, had I been driving.
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∙ 11y ago
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What happens when an uninsured driver driving an insured car got hit by an insured driver?
P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.
If you do not have insurance but the car is insured are you okay to drive it if you are not the primary driver?
Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.
If an insured driver with permission from an insured car's owner gets into an accident will the driver or the owner be responsible for payments?
the owner of the car with insurance will be responsible
Is an unlicensed driver still insured on my car?
NO!
Does a driver have to have car insurance if the car they are driving is already insured?
No.
Is the car insured or the drivers?
You cannot get driver insurance unless you have a car.
Can you borrow your parent's car if the car is insured but you are not a named driver?
Not without permission and only with a driver's license.
Who pays when the driver is not the owner and hit a car and doesn't have insurance?
If a driver is not an owner of the car and he also doesn't have insurance of his own and unfortunately hits a car, in such a case if a car is already insured by the owner, he will be covered against the third-party damages. But if a car is not insured, the owner is liable here to pay the damages that third-party oo another car had faced.
Do you need a car to be an insured driver?
Not one of your own-generally you are insured by the owner's policy if you are using someone else's car (with permission)
Does your car insurance cover a non-insured driver?
sometimes
Uninsured licensed driver uses my insured car. has an accident are they covered?
It is important to understand the insurance policy that is purchased on a drivers car. The only way that an uninsured driver is covered in an insured car is id the owner of the car has that in their policy.
Is a insured driver covered while driving someone else's Insured car?
Depends on what state you're in.
