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Contrary to popular belief, Auto liability Insurance does "not" automatically follow a car. Cars don't drive themselves. It follows the defined insureds legal liabilities which may arise out of vehicle ownership or operation. This may or may not extend to another driver. Liability follows the named Insureds while property coverage follows the vehicle.
"Coverage from the Owners Policy not withstanding" The Law requires that All Operators of a Motor Vehicle on public roads carry proof of financial responsibility at all times irrespective of ownership. Their is no exception when it's not your car.
Depending on the owners Auto Insurance Policy Form selected, coverage may or may not extend to other drivers. A standard Form Auto Insurance Policy will typically extend coverage for permitted drivers not engaged in a crime. A "Limited Policy" a "Non Owners Policy" or a "Named Driver Policy" while more economic in some cases will not extend coverage at all to any other permitted drivers.
Consult with your Insurance Agent for appropriate coverage. Don't make broad assumptions about your financial responsibilities. You should always verify coverage before driving an unowned vehicle or make sure your own policy follows you as a named insured driver to a replacement or loaner vehicle.
Insurance regulations vary by state regulation so it's always best to talk to an agent in your area. A local agent will be most familiar with your state regulations.
What else can I help you with?
What if you have a car accident while driving someone elses car and they deny they approved?
I would consult an attorney before doing anything else. Describe your situation in as much detail as possible, the more information the better.
If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
What service does a personal injury attorney provide?
A personal injury attorney provides services such as if an accident has happened while one was at someone elses property. Also for someone who was injured in a car accident, or on the job at work.
What happens if someone with suspended license is caught driving someone elses car?
The driver will receive another violation for "Driving While Suspended," and it is POSSIBLE that the owner of the vehicle may receive a ticket for "Permitting an Un-licensed Operator."
If you have an accident while driving someone else's car does it effect your own insurance?
it might not affect you current policy but after renewal the points you received in that accident with Hurt you.
If you get a speeding ticket while driving somebody elses car will?
YOU the driver will be responsible to pay the ticket.
What are the effects of texting and driving?
An accident with possible injuries and death. If you have an accident while texting and someone dies as a result of this you can be charged with negligent homicide and if convicted go to jail for a long time.
How do you make a sentence with the word accident?
My friend's mom's car had an accident while driving.
If you get into an accident with your parents in the car while you're driving on a permit does it affect you getting a license?
Only if it was your fault. If someone ran into you, you have no control over this.
Is it illegal to smoke while driving?
while driving when you smoke you feel some drowsiness and your concentration from driving is lift up. and their is a chance of accident
How can a person with epilepsy learn how to drive?
As a seizure can happen at any time, someone who is driving at the time is obviously a potential risk. Different countries have different laws relating to driving and epilepsy. Someone who has any history of epilepsy is often barred for life from driving something like a bus and there is no way they could ever get a pilot license. For a car, it is often a case that they have to be clear of seizures for a period of time, like a year or two, before they will be allowed to get a driving license. A truck being a larger vehicle, poses a larger potential risk on a road, so the law would be stricter, but that depends on where someone is. It differs from one place to another. You would need to check with the laws where you are.
What might happen while talking on your cell phone when driving?
an accident
