That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
If the accident goes on your driving record, yes.
Her insurance may state 'other drivers with the insured's permission' in which case her insurance would at least in part cover damage to other people/cars, but probably not to her own car. If her insurance does not have that clause, you are probably in trouble.
If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.
Provided that there are no exclusions in your friends policy, anybody driver their car with permission will be covered if they cause an accident. You are of course subject to the coverages and limits on your friends policy. Ex, if your friend has just liability, the insurance company will only pay for damages you cause to the other party, not damage to the vehicle you were driving.
if there is insurance it should pay for the loss
It all depends on her insurance cover
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
You would be covered by the insurance on your friend's car if you are driving it with their permission. To be safe, get the parents' permission, not just your friend's. It may be that your friend can't give a legally binding permission.
Car insurance follows the car. If you are using the friend's car temporarily, with permission, as a substitute for your own insured car, your insurance should cover you if the friend's insurance does not. What if my friend (who has the car) does not have insurance and I want to pay for my faults and fix it - will he be arrested?
Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
yes, I am sure you can. But you must get the friends permission to drive. Actually, I am not sure. Try yahoo answers.