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A little more explanation of the situation may be necessary. In most states, insurance follows the vehicle and not the driver. You could still be in trouble if the driver was not listed on the policy covering the vehicle or even if they were excluded. If such a problem comes up which is rare, you can file the claim on your policy if you have uninsured motorist coverage then they would go after the driver and owner of the vehicle for the money back.

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Q: What happens if the driver don't have insurance but the car is insured?
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