Q - If someone is driving my car and they have full coverage insurance but I have liability, will their insurance take care of the damage if they are at fault?
A - NO! Insurance follows the car, not the driver. Your insurance is the responding one and if you only have liability, then your damages are NOT COVERED. The damages done to the other vehicle are covered but for yours, no. Sorry.
How does an auto insurance company determine how much to charge for monthly premiums? What factors are considered when doing so, such as make and model of car or driving record, etc.?
1- Your age 2- Where you live 3- your driving record 4 - your claims history 5- Your credit 6- Homeowner or renter (Bundle policies in either case) 7 - Who else is in your household that drives 8 - Year, make model of your cars (some are more expensive to repair) 9 - How you use your vehicles, basically 3 levels: Pleasure, To/From work 3–15 miles, Business use. And then every insurance company will use these factors in a different way - weigh the factor more one way than another.