I am terribly sorry to hear about the accident and hope those that were injured are on the mend. When parents have the insurance on a vehicle and allow their kids to drive that vehicle they might as well take their vehicle out in the back lane and trash it! Some kids are responsible drivers, but most are not and the chances of an accident or some damage done to that vehicle is about 95%. What will happen is the police will examine the accident scene and decide who was At Fault for sure! Skid marks tell all. If injuries to some of these individuals is life-threatening and (God for bid) one of those individuals dies from the sustained injuries then the police will charge the driver with "Vehicular Homocide." There will be charges laid by the police in any event and it could be the woman's daughter, the other driver or both. It's best the mother seek out legal counsel. The long and short of it is: The mother is totally responsible on her insurance for whatever comes her way from this accident. The daughter, other than possible drunk driving (not accusing this young woman of this) or "undo care and attention" will not be charged, but for sure this accident can drive this mother's insurance through the ceiling. So, if this mother lives in the United States she will be bouncing from her private insurance company, the police and seeing a lawyer. Good luck Marcy
This really just depends on the factors involved.The driver in an at fault accident is always the primary responsible party, however, the vehicle owner is jointly and severally liable for all resulting damages and injuries. So long as your daughter was driving with the owners consent whether direct or implied, the auto insurance coverage on the driven vehicle should pay for the damages as it is the responsibility of the vehicle owner to have the desired appropriate coverage.If the vehicle belongs to another person who allowed your daughter to drive then in the case of a minor, the vehicle owner is liable for the cost of damages and injuries under permissive use rules.If the vehicle belongs to your minor daughter, even if she purchased it without your knowledge or you allowed her to drive the vehicle, then the Legal Guardian or parent is considered legally liable for the costs of damages and injuries.Happy Motoring
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, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.
What do you mean by an "old claim"? How long has it been since the accident? All states have statutes of limitations, which vary between 2 and 3 years allowed for a claim to be filed. If it's been more than the time allowed, you have no claim, unfortunately.
While most states have their own insurance rules, you more than likely can do as you would like but you would need to sign a waiver indicating she would not be operating the other car, and if she did there would not be any coverage if she was in an accident.
Yes,, you are required to be financially responsible for any accidental loss you caused. It does not mmatter if you, or the Insurance Company pays the bill. So long as you take car of the damages you caused.
If they have an accident, the insurance company may decline to pay. You will have to read the policy carefully to see what it says about drivers that are permitted to operate the vehicle and if there are limits on how often guest drivers are allowed.
Yes they are, and the majority of time that is when they will raise rates, especially when you are at fault. If you were at-fault for the accident and had to make a insurance claim, then your rates will definitely increase, since you are a higher risk driver, and the insurance company had to pay out because of you. If you are in an accident that you were not at fault, then your rates should not increase but they might. Some companies again see this as you being a higher risk driver since you were in a accident, even if it wasn't your fault, so they will raise the rates. If this happens, I recommend switching insurance companies, as a good company should not do this. In either case your rates will not increase until your insurance is up for renewal. At which point, if they do increase I would recommend looking around and comparing prices from other companies
Both the "Driver and the Vehicle Owner" can be held jointly and severally "Liable" for an accident. If the driver of your vehicle was at fault and had the permissive use of your vehicle, Both the driver and the vehicle owner can be sued for damages and injuries. The driver, If at fault, would be financially liable because he was the direct cause of the accident. The vehicle owner is financially liable because of fault through the owners negligence in allowing an uninsured driver to operate your vehicle. The legal rational being that had you not allowed this uninsured person to operate your vehicle, the accident would never have occurred. So the owner is also a direct causation factor in the accident through the owners negligence. It's not a good idea to let people drive your vehicle if your not sure your insurance will cover them, Basically it is the responsibility of a vehicle owner to insure that all permissive use drivers are covered. As the owner you can be left with the bill for all damages and injuries sustained as a result of your choice to loan out your vehicle.
Minimum you are responsible for all claims due to the accident. Damage and medical if any. Depending on state, one or both of you may get hit with no insurance ticket, fines vary, probably will not suspend lincense since you were not driving. It is so much easier to play by the rules and keep insurance. Been there done that.
Allowed**
No, only authorized additional drivers are allowed to drive the car. IF an accident would happen, then it would be a violation of your rental contract which voids and and all coverages even if its personal insurance.