Hello together, we sat together yesterday evening at a couple of beer and discussed an interesting topic, in which unfortunately we did not get to an agreement. maybe one can help me? suppose I ride with the bike of a buddy and build an accident, without foreign influence. question 1) does my kfz-insurance come to the train or my normal liability? if so kfz-insurance, then also with the percentages high! question 2) accepted my buddy is with his insurance registered as the sole driver, what did this follow for? question 3) accepted my buddy may not drive openly, but a good one recognizes that the machine is open. however, it is not he who drove, but I! maybe someone with professional advice can stand at the side so that I can explain the situation at the next time … thank you