Always remember insurance follows the vehicle and points follow the driver. So if they get points from the ticket it will follow the driver.
insurance follows the vehicle, not the driver. If you loan your vehicle to someone, you assume the risk of them having an accident. Only if there is no insurance on the vehicle would the driver's insurance become effective for the loss of a vehicle not owned by him.
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
In the UK, yes. So long as the driver has insurance.
Your rates shouldn't be affected, as long as he wasn't in an accident in your car.
The driver will get the ticket.
Car insurance is just that: insurance for the car. When a contract between the insured and the insurance company is purchased, it is based on the driver and the vehicle. If the driver takes someone else's vehicle, the insurance is only for the original car. There would be no pay out for someone else's car. Example: Driver A buys insurance for Vehicle A valued at $5,000. Driver A uses Vehicle B that is valued at $35,000. The insurance cost is obviously not the same therefore the coverage is not there. In the event of bodily injury, coverage up to the agreed limits are there. Remember, health insurance does not cover care and or treatment due to a vehicular accident. I hope this helps clarify the questions.
Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
The person who gets a ticket for a moving violation is the person who will be affected on their insurance rates. Your insurer checks your driving record. They have no way of checking who else may have received a ticket while driving your vehicle.
If the designated driver was sober and not breaking any laws and did not get any traffic citations, your insurance should not be affected. If the investigating officer gave the OTHER driver 100% responsibility for the event, you're ok. BTW, thanks for using a designated driver.
liability insurance goes with the driver, so the drivers insurance would pay for it. If the driver does not have insurance, then the owner of the car's insurance would pay if the vehicle was knowingly lent.
The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.