Your name must be on the Title or Loan in order to get car insurance under your name. Otherwise this is considered Insurance Fraud. It is punishable by the law.
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.
The insurance follows the vehicle so your own insurance company would be primary. However, if you don't carry the comprehensive coverage on your own policy and your friend has a vehicle with comprehensive coverage, his coverage would be secondary and pay for the damages.
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.
no No. The person who is borrowing the car must also have insurance.
insurance stays with the car......if collision coverage on the vehicle it would pay......
If you're asking if your friend can simply borrow your car occasionally, and you carry full coverage and liability on the car, then yes, you should be okay. Car insurance follows the vehicle, so even if your friend has his own coverage and had an accident while driving your car, your insurance would still be primary. If, however, you're talking about allowing your friend to drive the car all the time, on a daily and/or regular basis, you could face problems if you don't let your insurance carrier know that your friend is using the car all the time. This is because the premiums you pay are based on you as a driver, not your friend.
The answer depends upon whether or not you maintained collision coverage on your car. This is a type of "first party" coverage that pays for physical damage to your car, usually subject to a deductible. You could normally make a claim to your own collision insurer if you had that coverage. If the driver who backed into your car had liability insurance, you could make a claim against her.
He has no coverage. Unless the minor gets insurance elsewhere. He would likely be covered as a permissive driver of the friend's car, under the friend's policy.
No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is at fault or if the other driver is known, is at fault and does not have insurance.
Absolute full coverage, the best coverage that there is out there plus you have to add them to your insurance, plus the fact that you will be gone a year or longer leaves too many variables and loose ends untied. Will your friend steal your car? Will your friend move. Will your friend sell your car since he will have to be added to your insurance and therfore has every right in certain states to sell that car. Will your friend total your car? Will your friend wreck your car? Kill someone in your car? Sell drugs from your car? Will your friend ETC.?
As long as the friend is not excluded on the policy, and you have collision coverage on the vehicle and policy, then most likely yes..
yes.. make sure you contact your insurance company and let your insurance deal with your friend's insurnace to settle the damage amount to have it repaired. asian623 http://www.myspace.com/scionturboracing