Whose liability for the loss of an accident?

Question

This is a car accident. My husband was doing his friend's favior, he drove the car back to his friend' house. On the way he stepped on the wrong botton then he crushed onto a car which was parking in front of him, the right side of the driver side. The door on the driver's right side was damaged. The driver asked my husband if he was ok, then he called the police and ambulance. He was helped into the ambulance later. But there was nothing about blood. (I hope and pray he is fine.) Now my questions are, is the car owner's insurance going to cover the loss of this accident or my husband's car insurance? Or both insurance companies have no liabilities? Will my husband be responsible for the loss of that driver ? Thank you very much.

Answer 1

You insure the car so it doesnt matter who is driving (unless they have been specificially excluded from the policy). As long as your husband has a valid drivers license the policy from the car owner is who pays. Leave it up to the insurance companies to decide who is at fault and who pays for what.