Yep. Both of you are, in fact: her as the driver, and you as the owner.
And if your state requires you carry liability insurance on vehicles you own, you are particularly susceptible to an injured party coming after you.
To make a long story short, you allow your girlfriend to drive a vehicle which you know has no insurance. By doing so, you've accepted a pretty big risk. By accepting that risk, you put yourself in a dangerous situation if an accident occurs. Definitely something to think about...
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Yes. You are driving so you are responsible.
The driver's insurance would then be considered "secondary," meaning if the owner of the auto didn't have insurance, then if the person driving the car had insurance, they would be liable.
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.
Their insurance would be primary and your insurance would be secondary, generally speaking.
You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
The person in who's name the the ticket was issued is responsible for the ticket.
a good age to start dating is 16 your driving and you are more responsible.
You guessed it!
Absolutely. You are responsible for making sure the vehicle that you are driving is insured. It does not make any difference that you have other car insurance or even that the owner of the vehicle has other insurance. If there is not insurance on the vehicle you are driving then you are guilty.
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.