When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
because they cant drive
The driver's.
In the United States, anyone who is able to get a driver's license can get car insurance. The driver's license holder must be have insurance in their own name, or they can be added to a primary driver's insurance.
Several insurance companies will gladly offer a quota for car insurance to a convicted driver. The quota will not be low, and it will probably cost the driver as much as a new car will.
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
You go through the at fault driver's insurance carrier.
How do you get car insurance on the driver only
yes ,you can add driver's name in your insurance policy.
It is if you are listed on the policy as a driver.
the car
This will depend on the type of insurance coverage. The insurance company can decide to go to court and argue that since the driver was uninsured, then they should not be liable for damages.