However, you'll most likely have to use your insurance to cover any damages to your vehicle. On the other hand, if a friend borrows your car without your permission and causes an accident, your friend's insurance will probably be considered primary coverage and yours secondary.efore you lend your car to a friend or anyone else: 1  Check your policy or contact your insurer to get the specifics on the terms, conditions, and any restrictions. 2  Make sure that your friend has a valid drivers license. 3  It's also wise to double check whether or not your friend has car insurance.
Mold symptoms in humans tend to mimic the same reactions that people possessing weak immune systems or played by respiratory problems or other breathing difficulties experience.
What effects does breathing black mold have on the body? A: Black mold produces toxins called mycotoxins that can irritate the skin and air passages following exposure, notes MedicineNet. Severe reactions, such as difficulty breathing, may also develop, although this is uncommon. Allergic reactions, such as sneezing, tearing, coughing and wheezing, are the most common bodily effects related to mold exposure. Continue Reading. Black mold is greenish-black in color and typically found indoors.