If I give someone with a license permission to drive my car without the knowledge that they are not covered under any car insurance policy am I responsible for damage?
I allowed a friend of mine to drive my car while I was in the passenger seat because I was tired and she ended up getting into an accident. Who is responsible for the damage? The problem is she is not covered on either of her parents insurance.
Fault / responsibility and insurance coverage are two different things.
The driver is responsible for talking the vehicle. The insurance company of the vehicle would be primary insurance. If you have no insurance on that vehicle, then the insurance company of the driver would be secondary.
Note: simply because she is not “listed” does not mean she is not covered. She may be cover as a “family member.” This is a different coverage question. Contact her insurance company and see if there is coverage there.