Assuming that the driver of the borrowed car was At Fault, both the owner and driver can be held liable. The injured party will probably sue both. Whenever you borrow someone's car, ALWAYS demand proof of liability insurance before taking the keys because if this happens not only can you be sued but you might loose driving privledges until the injured party has been compensated in full, unless the person you hit had UNINSURED MOTORIST coverage in which case you'd definitely be off the hook but your friend's car would be siezed and auctioned by police for sure.
Insurance will cover any licensed driver with permission to borrow the car.
Only if you are a named driver on the policy.
The registered owner is only required to furnish liability insurance. If the owner does not have sufficient coverage (liability, comprehensive or collision), then the driver's policy would invoke as secondary coverage. It's not nice to borrow someones vehicle, wreck it and then claim ""not my responsibility". after all, you did borrow the vehicle.
Yes, unless you are under the influence of alcohol or drugs
Well in 2 different states that I have lived and worked in the insurance follows the vehicle not the person. If someone is letting you borrow there vehicle then they are accepting responsibility for your actions, therefore the accident would be covered on there policy. Of course I would check with state laws to make sure.
ypu need a license, if the person who owns the bike has insurance make sure there is coverage for occasional driver before you borrow it, otherwise it could cost you a fortune if your are in an accident
It should, if you let someone borrow your car, coverages should apply.
Yes, if there was damage to another's car or property so your insurance can cover it.
In general, insurance follows the car rather than the driver. So, if your sister is driving your insured car and is involved in an accident, your insurance would typically be the primary coverage for the incident. However, it's important to review the specific terms and conditions of your insurance policy to confirm this.
Yes, you can borrow your parents' car without being a named driver on their insurance policy. Depending on the type of policy and its actual rules, you might or might not be covered in case of an accident.
No, you cannot borrow from an accidental death and dismemberment (AD&D) life insurance policy. There is no cash value and the policy only pays a benefit upon death if certain requirements are met regarding the accident or dismemberment.
Borrow - No. You cannot borrow directly from your insurance policy. But, you can borrow with your insurance policy as "collateral". Only certain types of insurance policies where there will be a guaranteed payout at maturity will be eligible for loans. Simple pure term policies that pay nothing if you outlive the policy period will not be eligible for these type of loans.