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.
A:
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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