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If friend driving your car wrecks it will their full coverage policy pay for the repairs?
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Does your insurance cover you in your friend's car?
Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.
If you are at fault in an accident while driving your friend's car whose insurance will cover it?
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have full coverage insurance, your car will be repaired completely and your portion of the repairs will be whatever your deductible is.
Can your friend add you to her auto insurance?
Yes, If your are driving your friends vehicle then they are required to schedule you for coverage, otherwise you would be an uninsured driver. If you are asking can your friend add you and your vehicle then that would depend on what your friends financial interest is in your vehicle. If your friend has no insurable interest in your vehicle then it would be unlawful for them to add it to their policy. But they can certainly and are in fact required to add you to their policy if you are driving the friends owned vehicle.
If a minor has been removed from his parents' insurance since 'he never drives the car' is he covered if he is driving a friend's car?
He has no coverage. Unless the minor gets insurance elsewhere. He would likely be covered as a permissive driver of the friend's car, under the friend's policy.
Does no-fault insurance have any responsibility for auto repairs?
No-Fault insurance has everything to do with repairs. In the case of fault or not-at-fault, your car is covered, providing you carry collision and comprehensive coverage on your policy.
Do you need full coverage auto insurance in Alabama when deer crashes into your auto for repairs?
This would be covered by the collision part of the policy.
Can you have two different insurance companies on two different cars that you own?
YIKES! In theory, yes. However, what a mess you are setting yourself up for. For instance: which policy's liability coverage will cover you for your liability when driving another vehicle (ie: rental car, friend's car); which policy's uninsured motorist's coverage will provide coverage in same scenario; which policy will respond when you are a pedestrian and you are injured and your state requires your P.I.P. coverage to pay first? I would NOT suggest you get two different companies!
Do you have to have insurance if your under 18?
If you want to drive a car you need to have a valid driver's license and the car you are driving must be insured. You don't necessarily have to have your name listed on the policy if you are only borrowing the car from a friend. Be careful though there can be limitations on the coverage in some states if you are not a listed driver on the policy covering the car you are driving.
If a friend uses a insured car and he totals it will progressive insurance cover the damages?
As long as the friend is not excluded on the policy, and you have collision coverage on the vehicle and policy, then most likely yes..
Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
