Is insurance responsible after a car accident? 23 Answers as of November 04, 2011

Since the insurance follows the car and not the driver, your insurance will be the primary and hers will be the secondary.

Your insurance will be primary as long as she had permission to use your vehicle. The insurance follows the vehicle, regardless of who is driving.

Montana Insurance Law is probably the most complicated in the Country. If you were injured it is important that you seek the assistance of an experienced Montana Attorney. Your facts indicate that this issue involved property damage. Either insurance company may take care of the damage. 1) The at fault company should provide you a rental car and have your car fixed. 2) If for some reason the at fault won't pay and you have comp and collision then you could pay your deductible and then get your deductible back from the at fault insurance company. In Montana if you are not at fault, any no fault claim cannot be used against you in any manner for cancellation or premium increase.

Your car insurance should be notified that an accident happened. The first line of insurance is the owner of the car's insurance. Secondly, if there were any injuries to any people in your car, your car insurance would pay for her medical bills. IF a lawsuit is brought, both the owner and driver will be included on the summons and complaint and your insurance will be responsible for defending both.

The issue is which is insurance is primary in a collision the drivers or the owners coverage. Under Idaho law (Idaho Code section 49-1212(11)) the drivers insurance is the primary carrier and should provide coverage for liability claims.

Insurance "usually" follows the vehicle. In order to ensure that this is the case, a review of your policy is required. Your girlfriend's insurance might be considered a secondary policy because of the collision. Again, check her policy. The advantage is that if your insurance policy is exhausted then possibly hers may pick up the remainder of damage.

1. A police report is no less useful or necessary when the accident occurs on private property. 2. Assuming that your girlfriend admitted liability, it really doesn't matter. 3. In this situation, either insurance would take care of the damage to both vehicles. Given that your girlfriend admitted fault, if your insurance pays your insurance will look to be reimbursed by your girlfriend or her insurance.

Your insurance is responsible because she was driving your truck. You can be sued because you own the truck and are therefore responsible for the negligence of any driver you allow to operate your truck.

If you are talking about damage to the other vehicle and injury to its occupants if your girlfriend was at fault for the collision under Georgia law the liability insurance policy on your truck is primarily responsible and her policy is excess if your truck policy does not have enough coverage to cover all the damages.

This depends on the terms of the insurance policies. Read them to see and then consult with the insurance agents.