Q: Who's insurance is responsible when there is an accident? The driver or the owner of the car?
My daughters friend was driving my daughters car & caused an accident. She totaled her car & caused damage to the other car. My daughter went to file a claim but her insurance had lapsed due to non payment. She got a new bank card & forgot to report it to the insurance company. My daughter was not driving but was in the passenger seat. I'm just trying to figure out who is responsible & what our options are. Her car is just 6 months old & is financed. The accident happened in Richmond KY.
Generally as to the other vehicle, the policy covering the car is primary, driver of daughters car secondary.
Daughter needs to see if she got a notice of cancellation. If not, may be able to claim coverage--would have to speak with a member of the Ky Assn for Justice that handles bad faith claims. She also has an injury claims she needs to discuss with that person.
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