the owner of the vehicle is responsible for the ticket. he/she/they are legally required to at least have the minimum liability coverage your state requires.
If you were cited then you need to appear, if you have coverage on another vehicle then you should bring that proof with you as you should be technically covered for driving another persons vehicle.
Typically, US car insurance policies do not provide coverage for driving in Europe. It is recommended to check with your insurance provider or purchase additional coverage for international travel.
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
No. Even if you have commercial insurance on your vehicles, you are still responsible for providing the insurance company with a list of drivers. If you do not notify them of the people driving the vehicles they can still deny coverage as you are not obeying the terms of the policy.
Yes, If you have made auto insurance coverage in Reno, it is valid throughout US.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
Only if the car you are riding in has insurance coverage.
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.
Depends on your location, age, driving record, type of coverage, and the insurance company you have chosen.
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
The level of coverage generally depends on your insurance companies. Most quality insurance companies will cover you in the company car, however.
You always need insurance when driving any sort of motor vehicle. Even if it is a motorcycle, there are insurance companies that have coverage for it.