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Who is liable if you have insurance but you are driving someone else's car who is insured and there is an accident?
Wiki User
∙ 10y ago
Who's Liable in an accident?
Both the driver and the vehicle owner can be held jointly or separately liable for the entire cost of a claim. Primary Legal and Financial Liability for an automobile accident is always with the driver of the vehicle At Fault, "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.
Auto Insurance does not automatically follow a car. Cars don't drive themselves. It follows the defined insureds legal liability.
Depending on the Auto Insurance Policy Form selected, coverage may or may not extend to other permitted drivers. A standard Form Auto Insurance Policy will typically extend coverage for permitted drivers while A Named Driver Policy will not.
When it comes to Liability, Auto Insurance provides coverage for the named Insured(s) financial liabilities that may arise out of vehicle ownership and operation.
The vehicle owner can be held equally liable for financial losses incurred while the vehicle is on loan depending on the legal construct of that loan.
For Financial Responsibility purposes both the Operator and the Owner can be held jointly and severally Liable.
In Most states of the US, Any coverage afforded under a policy on the at fault vehicle being driven in an accident will invoke as primary or first party coverage by contract regulation. Any trailing coverage that the operator of the vehicle may have would invoke as secondary coverage. If no coverage exists on the vehicle being driven then any trailing operators policy would step up as primary.
So the gist of the matter is this. The Driver is at fault and liable, But the Owners policy as first party coverage may be legally required to cover the accident for you if coverage is afforded.
Answer
The accident will likely still show up on your driving record, Depending on what type of insurance the owner of the car bought it may or may not cover you as driver. You're liable if it was your fault for the claim and the vehicle owner can be held liable as well because they allowed you to drive the car. Think of it this way. They gave permission for you to drive and you caused the accident. So they assume that liability when they let you drive their car.
Your own auto insurance policy would be a secondary coverage if your friend's policy has low limits or has a lapse or is insufficient to cover the loss. Your policy is secondary.
Wiki User
∙ 10y ago
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What insurance covers medical bills in an accident where someone not on the cars insurance was driving and wrecked?
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
Do you have to be married or a direct family member to be on someone else's insurance?
ANSWER:Sorry you can not. It's just like driving a car, if you have a friend in your car and you had an accident, the insurance company can not take care of that person because he or she is not insured in your policy..
If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?
Although it depends on your insurance, the driver is covered if driving with your permission.
Will your insurance cover an accident if someone else was driving your car with a revoked license?
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
I am covered on my mothers auto insurance she has comprehensive if i drive someone elses car and get into an accident will i be covered?
you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.
If someone rear ends you and your license is expired but the car your driving is insured what will happen?
you will get a ticket and probably get your license suspended for longer and insurance will probably not cover the accident b/c you were driving with a suspended license but of course this is just one scenario
Why is it important to get an event insurance coverage?
There are many reasons why someone would want to get event insurance coverage. In case someone has an accident or something during an event it is important to be insured.
Can you be fined for driving someone else car if they do not have insurance?
not if you are personally insured to drive that vehicle on your own policy
Do you need insurance with a learner's permit?
Yes. All cars on the road have to be insured. If you have a learners permit, then you need to be driving with someone who does have their license and is insured.
How can you find someone's auto insurance policy?
You can't unless they tell you who they are insured with. Who a person is insured with or even if they have insurance is a private matter between the insured and the insurance company. Now, if there is an accident and the police come to the scene they will collect that information and put it in the accident report. This is why it is crucial to always call the police to the scene of the accident no matter how much the other person begs to give them a break. Always, always!!! call the police to the scene of an accident. The exception is if the accident is on private property.
If someone who does not have insurance drives your car and gets in an accident is your car still insured for damage to other vehicles and yours?
yes
Will someone driving your car be insured?
it depends if you have insurance that covers all drivers in the family or all and any drivers.
