In the US the insurance follows the vehicle, therefore the owners auto insurance will cover the damage as long as they have comprehensive (Other than collision) coverage. If they don't have coverage it comes out of someone's pocket. Another note is that insurance companies don't like it when you loan your vehicle to people not listed on the policy as a driver.
the car owners insurance The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
It depends.... If the girl that hit your car has car insurance that covers her while driving another persons vehicle, go after her and her insurance company. But if not, go after the owner of the vehicle, they are responsible for the vehicle at all times. The insurance company doesnt care who is driving.
You don't. You sue the individual. The insurance company is obligated to take care of the obligations of the individual.
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
the persons who car you were driving
To drive another person's car you must be a named driver on the vehicle's insurance policy.
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.
If the accident was your fault, the other party's insurerhas no duties owed you.
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.