First of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that insures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver of the borrowed car may be able to add extra coverage.
ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.
Do you have car insurance? Yours will cover it. Your friend if he is a true friend, will cover the deductible.
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
If you have liability insurance your insurance should cover you while driving another vehicle with permission of the owner. The problem with a company truck is the limit of liability you might have to have.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Certainly, you can get liability insurance which will cover you while driving someone else's car.
No way! The insurance certificate specifies who may drive. It will not include unlicensed drivers! Even a licensed driver, but driving without the owner's permission will not be covered by the car owner's insurance.
Car insurance follows the car. If you are using the friend's car temporarily, with permission, as a substitute for your own insured car, your insurance should cover you if the friend's insurance does not. What if my friend (who has the car) does not have insurance and I want to pay for my faults and fix it - will he be arrested?
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.
99% of all insurance companies will cover such situations.