Yes, your insurance pocily should covers all damage, based upon Texas laws.
Reason Why? They should.
Texas law required all driver must have auto insurance coverage before seating behind the sterling wheel.
generally the person who owns the car at fault involved in the accident is financially responsible. hopefully you have insurance and your friend is not excluded from your policy for some reason. if your friend is not excluded then your insurance company should pay
If you want him to have insurance cover in the event of an accident you should add him to your policy. Any body that is not on your insurance policy should NOT drive your car, if they have an accident you'll have big problems.
If your friend was at fault- then your insurance policy will pay first. Always remember the insurance follows the vehicle, NOT the driver. If the costs of the accident exceed your policy limits, your friend's policy will respond next.
There are very few exclusions in a life insurance policy so it should.
Insurance follows the vehicle, not the driver.
It should, if you let someone borrow your car, coverages should apply.
Not unless you received a violation for the accident. Otherwise it will show on your record as a not at fault accident and should not raise your rates.
They should as long as she was covered at the time the accident took place, it was reported, and an accident claim was filed.
Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.
If your motorcycle was a scheduled vehicle on your Insurance Policy then you should be covered. If you were on someone Else's Motorcycle then their insurance policy should cover your medical. If neither coverage is available then you could look to your major medical policy or HMO for medical coverage.
About the only time that there is no coverage for a permissive driver is when that person has been officially excluded, in writing, prior to the accident. All normal provisions of the policy should apply. You and the driver of the car must cooperate with the investigation of the accident with your insurance company.