What happen when you wreck a coup¨¦ and you're not on the title?
nor are you an authorized driver on the insurance?
Typically if you are from the same household and not an authorized driver on the insurance, you are not covered by the owner's insurance. If you live elsewhere (is address on your license different from address of owner?) next you might be covered. If you have no license (or suspended/revoked) the creature who gave you say-so to use the vehicle could find their license suspended.
You are liable for damages and injuries not covered by that insurance or you own. For anything not covered you would need to provide your own decriminalized defense and/or money to settle and your license may be suspended until it is settled. If you cannot or do not pay, they would be in motion after the owner too (unless you stole it). Actually to save time and money, they would jump after both of you at once, if you do not settle promptly.
Basically what he said. Also, I know when I be in a motor accident and I wasn't insured, my mom's insurance company made her put me on the insurance so that her vehicle would be covered. Um, later the owner of the car get really, really mad. Both you and the vehicle owner can be held liable for all the damages to both cars, and adjectives people - the insurance won't retribution.
So, you can end up have your wages attached for DECADES to pay sour that bill.
Answers: As long as the vehicle you were driving have insurance. The insurance follows the vehicle not the driver. If you were at idiosyncrasy and you are not a listed driver, consequently the the vehicle you hit will automatically be covered, but the vehicle you were driving will not. This applies if you be not listed our authorized to use the vehicle, and is grounds for a potential lawsuit by the owner of vehicle.