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I used to work for a large insurance ompany and this is what we told people insurance follows the vehicle not the driver so whoever is driving that vehicle the fault is still on the owner and the insured person that being said there are special states like mass. that this is not so but 9 times out of 10 if hes driving her car its going on her insurance now the ins co has to pay for the accident but they do not have to pay out the full cvg for her replacement if he is not listed on policy
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