It really depends on the polisnya. There is a policy of the owner and the driver's policy
Most of the car liability policies are written as a policy owner. Owner's policy insuring the owner of the vehicle, their partners, and anyone who operates the vehicle with the consent of the owner (see definition of insured in your policy) against damage should they pay based on the legislation because of the use or operation of the insured in negligence. vehicle. In this case one could argue that the policy followed the vehicle, and we often say it, but it's too simplify. The truth is that the policy the insured vehicle owners to follow.
In most of the legal owner of the vehicle is responsible for the actions of the person operating the vehicle with their approval (hence the definition of insured will usually include the person who operates the vehicle with approval).
This is why insurance owners respond to claims against the person operating the vehicle, not the driver's policy to respond to (more on this later). Policy owner doesn't really cover the negligence of the driver of a vehicle is insured, this includes the responsibility of the representative of the owner.
So it appears that the insurance follows the vehicle but a deeper look into the words. Most policy owners bringing words that expand the scope of liability to the insured vehicle that operates as a substitute for their own vehicle (excess of underlying policies), other vehicles that they are running (in excess of the underlying policy and assuming the same vehicle class), and the newly acquired vehicle (usually within a certain period).
You can see here how the policy States that the following vehicles are not accurate, as the policy owner provide protection for the owner in connection with the other vehicles as well. Policy owners follow their owners, which is similar to the following vehicle but not the same.
The other, which is much less common, type of car insurance policy is a policy driver. The driver's policy ensure a person against liabilities due to the use or operation of the vehicle regardless of who the owner of the vehicle. In most cases, these policies act as policy excess, as most vehicles are insured on the basis of the policy owner. In this case, the owner of the policy includes responsibility for replacement owners over the actions of the driver to the limit of the policy.
If the damage from the loss is greater than the limit then the policy owner driver will add extra coverage for the driver (and only the driver) to the driver's policy limits. If there is no underlying vehicle owner's policy (the vehicle is not insured) then the driver's policy will replace the loss and defended the driver of a vehicle to the limit but not the owner. People could accurately say that the driver's policy to follow the driver of the vehicle.
OP in other questions noted that he insure their vehicles. CO-OP policy, as the registered owner, the owner's policy is likely. It seems that her son's friend has agreed to drive the vehicle (if not the approval of the owner of the Cubs, which approval in most of the same law).
With this case, the policy owner will cover part of the responsibilities of this claim to limit the responsibility of the driver because the owners responsible for the actions of the driver. If the driver of the vehicle is covered by the policy owner of another vehicle or the driver's own policy then the policy will act as excess liability for the driver. The policy owner will be the basis for part of the responsibility for this loss.
With respect to the damage to the vehicle owners policy OP, OP is the only policy that can he claim. Poan discusses demand driver for vehicle damage dikendarainya. This is an interesting idea; However, because the driver had allowed to operate (and assuming there is no violation of other coverage), it would be futile.
Because their owners responsible for the actions of the driver, he was also responsible for damage to the vehicle itself. Liability insurance only frees one compensation they should pay based on the Act. An individual cannot be required to pay damages to themselves under the law. Because a person is not legally responsible for the damage of property, the other question from the OP cannot recover damages from the driver because the CO-OP is responsible.
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