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Who is personally liable and whose insurance is going to respond depends on a number of factors that no one can know without much more information. Here is a general sampling of how insurance will likely respond:
The general theme and reality is that your auto insurance will be the primary source of insurance coverage. There are circumstances where your friend’s insurance may respond, but that possibility is dependent on your jurisdiction, policy coverages and contractual wording.
Your friend will be liable personally for his actions, however, your auto insurance will be the primary coverage to defend him/her. Your friend's car insurance (if any) IF it responds, will be a secondary source of coverage.
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“Ask Jeff" is a weekly post made on the RyanAgency.com Blog.
Submit an insurance-related question to “Ask Jeff”.
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