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You cannot let your car be driven by someone who is not on your insurance. The vehicle owner must be on the policy, and if they are not, they cannot drive the vehicle. It is a good idea to always have insurance for the car you drive to protect you from all uncertain events. So, be sure to mind and arrange with your insurance agent before adding a driver who doesn't have car insurance. If they get into an accident, it could be you who has to pay for the damages.
No, liability insurance does not cover your car if someone else hits you. Liability insurance is designed to cover the costs of injuries and damages you cause to others in an accident for which you are at fault. If someone else is at fault in an accident and damages your car, their liability insurance should cover your vehicle's repair or replacement. If the at-fault party does not have insurance, you may need to rely on your own uninsured/underinsured motorist coverage or pursue legal action against the responsible party to recover the costs for your car's damage.
Generally, you cannot personally check if someone else's car is insured. Insurance information is typically confidential and protected by privacy laws. If you have a legitimate reason to verify the insurance status of another vehicle, such as being involved in an accident with that vehicle, you can contact the relevant authorities or your insurance company, who can assist in confirming the insurance status through official channels.
Yes, car insurance in India generally provides coverage if someone else is driving the insured vehicle, but there are certain conditions and limitations to consider. Most car insurance policies extend coverage to other licensed drivers with the owner's permission. However, it is important to note that coverage may vary depending on the relationship of the driver to the owner (e.g., family member, friend, and employee) and whether they are listed as a regular driver on the policy. It's advisable to review the specific terms and conditions of your insurance policy or contact your insurance provider to understand the extent of coverage when someone else is driving your car in India.
Generally, no, you cannot use someone else's car insurance policy to cover yourself and your vehicle. Car insurance policies are typically issued to the named insured and cover only the vehicles listed on the policy. In other words, car insurance follows the car, not the driver. If you borrow someone else's car and get into an accident, the car owner's insurance policy may cover the damages, assuming the policy includes coverage for permissive drivers (i.e., drivers who have the car owner's permission to use the vehicle). However, if you own your own car and want to be covered by someone else's insurance policy, that is typically not allowed.
No, it is not completely possible to drive any car on fully comprehensive car insurance. In order to be covered for driving other cars with your full coverage insurance policy, you must either get an endorsement or purchase supplemental coverage for those specific vehicles. It is important to note that fully comprehensive insurance only applies to your own vehicle. If you are looking to drive someone else’s car, you will need additional coverage in order to be insured. This could include third-party only or third-party fire and theft policies.
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