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As with all such matters, you should consult a legal professional to protect you rights.
Generally, YES both VEHICLES should be insured (but that requirement may vary in some states). Drivers are NOT usually insured unless they hold special vehicle licenses or have personal umbrella coverage. But drivers should be prepared to present proof of coverage for the vehicles they are driving; when requested by law enforcement officials and other drivers after an accident.
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Who determines fault in auto accident?
Insurance companies determine fault by looking at police reports, taking statements from the parties involved and witnesses, and looking at the vehicles.
What are your options if your private property was damaged by someone else during an auto accident?
file and pursue a claim or dont. If you do file , file a police report, get a copy of the report and have your property insurance company pursue the claim against the insurance company covering the party or parties involved in the auto accident
Why is it advisable to purchase auto insurance?
If you drive a motor vehicle without insurance and you are involved in a major accident where you are at fault, you could be sued for several million dollars if other parties in the accident are badly injured or killed. It's just not worth the risk.
What are the penalties for giving a police officer a false auto insurance card if involved in a accident?
insurance fraud.
Injured in an auto accident with no auto insurance?
If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be additional criminal penalties including fines and jail time.
Can you change auto insurance if you just was involved in an accident?
You can change your auto insurance at any time. It is up to the company to decide whether or not to accept your claim.
How quickly should an auto accident claim be filed?
An auto accident claim should be filed after the accident happened. Be sure to have a police report and the other parties insurance information before reporting your claim.
Why you need car insurance?
The reason you need car insurance is for protection for both you and other parties. Without insurance, if you were involved in an auto accident, you would have to take the responsible party to court, which cost you time and money. Insurance covers this cost, as well as it finicially protects you. if you were found at fault for an accident, and did not have insurance, you would be responsible for all the damages and medical expenses for all parties involved. This could end up costing you several thousand dollars, which most of us could not afford. Insurance covers this cost, as well as insures that if you are injuried in an accident that wasnt your fault, that you are fully compensated for your injuries
What is liability coverage on auto insurance?
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
What is an Auto Accident Attorney?
Auto accident attorneys represent individuals involved in car accidents. These attorneys can represent plaintiffs or defendants and may be hired by a driver’s insurance company to represent the driver or the insurance company. Plaintiffs’ automobile accident lawyers are available for those that have suffered injuries in a car wreck. The lawyers will consider the case and if there is a potential lawsuit. If so, auto accident attorneys will notify the other party or parties in the wreck. The case may never go to court and the auto accident attorneys may work out a settlement that all involved parties agree to. Defense lawyers for car accidents will assist parties that are being sued after an auto accident. An auto accident attorney that works on the defense side will attempt to show that there was no fault on the part of the driver he or she is representing or try to negotiate a lower amount that that person will have to pay for the accident and any injuries. An auto accident attorney may be retained or hired by an insurance company. Car insurance companies will hire attorneys on behalf of their clients as the attorneys will help reduce the liability costs that the insurance company may have to bear after an accident. The auto accident attorney does this by working in a similar capacity as he or she would as a defense attorney. The aim is to settle for an acceptable amount or demonstrate that there was little or no fault on the driver being sued. Additionally, an insurance company’s auto accident attorney may work to recover costs from another driver or insurance company. The auto accident attorney functions like an attorney for a plaintiff. The car accident lawyer pursues payment of costs incurred by the insurance company in covering damage or injury suffered by the driver. As a result, the driver that was not at fault gets all repair costs paid for, but the insurance company recovers that money from the driver that was at fault without the driver without fault having to wait for a settlement.
If you are involved in an accident and have auto liability insurance and the other driver does not what are your rights?
Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now wants me to fix her automobile. What are my rights in this situation?
How do insurance companies know you had an accident?
1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.
