In a vehicle accident with property damage whose insurance is responsible the driver's or the owner's?

Answer the insurance always follows the vehicle. Meaning: the regestered owner is required to furnish a valid liabilty insurance policy which will cover an automobile accident regardless of the driver. If the owner does not have a valid policy, or the limits of liability on the policy are not sufficent to cover all damages or injuries sustained, the driver's policy would apply as secondary coverage.

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