First, you may want to have an independent mechanic look at the car. Second, you should get a vehicle history report so that you know exactly what the problems were. Click here for Experian or Carfax. They each charge $15 for an instant report. EXTENDED...The vehicle check can be done free to a deg…
Probably not unless it was something on the car that failed to work correctly and caused the accident. Your insurance should cover the car though.
ansThere is no overall right to return or recind a car purchase contract. Once it is executed/completed it is done. Some dealers may provide the a…
Possibly. I assume it was a used car. Did the seller represent to you that it was NOT in an accident? That would probably be legally actionable. On the other hand, if they just failed to mention it, it would be alot tougher to recover. To recover, you would have to be able to show that: the seller k…
No, if you have the right coverage (collision) your company will still pay for your car.
As long as it wasn't your car involved, you would not be held liable for anything. He is 21. That makes him wholly responsible for his actions.
Usually, if the driver had the owner's permission to drive.
What happens if the car is owned by the person that has the accident but the insurance is in your name? However you no longer want to be in that relationship or to have to pay that insurance?
The registered owner is only required to furnish liability
If the owner does not have sufficient coverage (liability,
comprehensive or collision), then the driver's policy would invoke
as secondary coverage.
It's not nice to borrow someones vehicle, wreck it and then claim
""not my re…
Dora I don't know how it works in your state but in Nevada yes you can be held liable IF they have failed to obtain a corrected title and place liability insurance by the time a traffic stop or accident occurs. If their insurance company sold them insurance knowing the insured had no driver license…
No, insurance will not pay if your parents have not placed you on the policy yet. You may also want to check your state laws.Having a 16-year-old daughter makes me a good source of info on this topic.Good luck to you.
Actually, it depends on your carrier. Most parent…
No, it's highly unlikely your insurance company would cover damages to your vehicle that occurred prior to your policy's inception (actually, I know of no insurance company that would cover prior damage, for the simple fact that you didn't pay a premium for that damage). Think of it as …
This question causes more arguments between policy holders and insureds than you'd believe. But, yes, your insurance would cover it. Except for some weird instances, the insurance follows the car. If your daughter's boyfriend has permission to drive the car, he typically becomes an insured driver un…
Mostly it depends on the responsibility laws in your state, and whether or not you're required to carry liability insurance on the car. Either way, you're playing a dangerous game. Since consideration has been made (i.e., money has changed hands) to sell/buy the car, your insurance company could con…
Without full coverage on your vehicle, it looks like you're going to be doing all the footwork for your accident. But, even though it can be confusing, there are several things you can do:File an amended police report. Sure, it won't be in the reporting officer's handwriting, but it shows you disagr…
Your situation could result in a lot of quirky scenarios, so you're being very smart to ask these questions before proceeding.You've got several options, probably more than I can hit on here. But I'll try:1. If you plan on keeping your name on the title, and your ex-husband agrees to insure your dau…
The other driver is not "added to your policy". However, the other driver will be covered by your policy for this accident provided certain conditions are met. 1. The vehicle cannot be available for the regular use of this other driver, which is to say the policy will cover t…
That depends mostly on how much coverage you elected, and with the average ammount for such a new vehicle you described if the damage was to that extent it can constitute total loss in which case your insurance company will first pay off your ajusted (excluding interest) loan balance in FULL then le…
The owner's insurance will pay if he has collision coverage. It Doesn't matter who was driving. the owner will have to pay the collision deductible, unless he wants to press charges against his buddy for "stealing" the car in which case the owner will have to pay the Comprehensive deductible. If the…
Yes, auto insurance policy states that you are required to report
all accidents (losses) immediately. There are a few reasons for
this. The carrier wants to quickly see your vehicle - take photos
and write an estimate. If it was a single vehicle loss, and no
monies are owed to any other party, they …
It sounds like you are starting to get the insurance adjuster run around. Of course it is the responsibility of the driver that rear-ended you to repair your car and provide a rental. If you have an attorney then let him call the adjuster and straighten him out.If not, then file a com…
"are my minor children entitled to compensation for being passengers in an accident that was not my fault. ? they were bruised up. no major injuries."Certainly they are entitled to compensation if they were injured. The amount would depend on the severity of the injuries and if they received any med…
-The insurance company for the first car that spun out of control will not be liable to either of the cars involved in the accident since the first car didn't directly cause the accident.-If your insurance has full coverage, then it will pay for the damage to your car and perhaps for the other car t…
Some aspects of the answer depend upon the state in which you live and the law to which it adheres. For example, in many states, the owner of the vehicle and the driver are jointly liable for the damages to the third party if the driver was using the car with the knowledge and consent of the owner. …
Absolutely not. A driver with a learner's permit is presumed to be driving with the same caution and, along with his co-driver (ie, the adult next to you), similar experience.Your parents shouldn't see any rate increase in their insurance premiums if, as you say, you weren't at-fault for the acciden…
If you mean are your medical bills covered -- and assuming your state requires medical coverage on auto insurance policies -- then, no, you wouldn't be covered by any policy of the driver's since, of course, no policy exists.However, if you have your own auto policy, that policy would then become pr…
I'm unsure if you mean the other carrier is denying liability, or they've totaled your car and are refusing to repair it.If they're denying liability, and you believe the other driver is at-fault, you have a couple of options. One, you can go through your own carrier (if you have full coverage), and…
It could, depending on the seriousness of the accident, payments made, past history, etc.Since insurance follows the car, yours would be primary since it's your car. Your carrier insures you and your risks. By allowing another person to drive your car, you have accepted the possible risk of that per…
The open container is definitely a big issue, particularly if you were tested at the accident scene for being under the influence and you approached or surpassed the legal limits. If you weren't tested, or if the test showed that you were within the legal limits, the open container shouldn't have mu…
Assuming that you were at fault in the accident: you broke it, you bought it. Do you have full coverage on a car that you own? It might cover the damage if you were only using his car temporarily while yours was unavailable. If another driver was at fault, your friend should be trying to collect fro…
As long as your daughter is under 18 or 22 in som cases you can be held liable for any of her actions
dl suspension for one yr and your going to need an sr22 for 3 yrs.. its not good
You probably will be arrested and if you are unable to pay the costs in full to the victim(s) you may be looking at some deep jail time, your driver license can actually be suspended for…
Have the body shop, make an evaluation and send that to the adjusters supervisor, Insurance Adjusters are given bonuses to keep your repair cost down
it would be smart if stops the owner from reporting the
No. That happens all the time. People often make a police report just in case they decide to make a claim. Later, they never contact their insurance company due to it not being worth the hassle. Four years ago, I was involved in a minor accident in which the other person left. I made a police report…
Your insurance company should cover the risk.
Good question. Doesn't the answer depend upon each insurance carrier's T&C? Do individual state laws trump policy limitations?This answer fully depends upon both the language in your policy and the laws in the state where you reside. However…
If it's NECESSARY, the judge will tell you what to do. Probably have 25% of your wages garnished until the judgment is satisfied. If you are college roommates, you may still be covered under your parents' auto policy or an umbrella policy if they have one. But any insurance that may apply to you wil…
: Generally, a personal injury settlement is a lump sum and is intended to compensate the claimant for past & future medical expenses and wage loss and other, concrete damages as discussed below. What people don't often understand about "pain and suffering" is those damages are more difficult to…
Your car being deemed a total loss does not have anything to do with the liability of the accident. Your vehicle becomes totalled when the repair cost exceeds the local market value of your vehicle.
It depends. Was the driver the listed insured? If not, did he have regular access to the vehicle and/or operate it often? In this scenario it is highly unlikely they will accept the claim.If the driver was the insured, they may or they may not. You should check your insurance policy but keep in mind…
First of all sorry to hear of the child's death .Secondly get a lawyerIf the driver was not the owner it would depend on the facts related in the accident . For example if the driver was not authorized to take the car or was speeding/drunk etc the driver would definitely be at fault . The owners dau…
It depends on who is at fault for the accident. Also, in most cases, if you have other cars that are insured, and the accident happened within 30 days of the purchase, there should be coverage under that policy.
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on …
In most states, the law would hold both parties responsible. Therefore, both companies would be liable for any judgment rendered. The extent of each could be determined by the policies and/or the court. That would not mean that the victims family could not file a lawsuit.
Only if the car you are riding in has insurance coverage.
If it wasnt your fault, then the person who was at fault is liable. I would suggest working something out between the two of you, since you could have your liscense suspended if caught without insurance. II: You wish it was that easy! It is illegal to operate a vehicle without insurance coverage. T…
More than likely you both can be held liable. Since you both were aware the car was uninsured. Depending on the laws of your state you may end up with fines and penalties also.It also depends whether your son was driving the car with your permission and whether your son is a minor. (Yeses make you m…
If with "one impact from the last car" you mean that the rear car hit the middle car and then the middle car, as a result, hit the front car, the rear car's insurance would be responsible for all damages.If the middle car first hit the front car and then the rear car hit the middle care, the rear ca…
Depends on exactly how it happened. From what you've told us, yes, the speeding driver would be responsible for all the damage if his speeding was the direct (and only) cause of the accident. But if you were trying to beat a red light or were pulling into the street from a driveway or alley, you are…
They have committed a criminal act as well as being civily liable. The criminal offense would take priority over any civil action. That does not mean a civil lawsuit cannot be filed. Athough nothing, obviously, can compensate for the lives lost.
Maybe, just as a restaurant could be held lia…
Probably not , read your policy- most have disclaimers for illegal operationand illegal acts. if you knew they were an illegal alien and gave them permission, you too broke the law .Did the illegal have a valid drivers license , and did you ask to see it before giving permission to drive your vehicl…
The insurance company is not liable for paying damages. The minor was knowingly breaking the law by driving w/o a license. The parent of the child will be held liable for damages. As will the person/owner of the vehicle if they knew the minor was not a legally licensed driver.
If you let an…
First of all a friend does not borrow your car without your permission- if they used it without your permission they really arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating…
The insurance company will only pay the 'book' value of the vehicle as if it were in perfect condition unless damage prior to the accident was discovered and that damage will be deducted from the 'book value'.
As soon as you leave the scene of the accident you have committed the crime of "hit & run."
Yes, you can file a lawsuit in the proper court and recover your damages if the person is unwilling to pay voluntarily.
No, if their license was suspended they should not be driving, if they are involved in an accident and are at fault the other person can go after you since it is your car and then you are liable.
If you have reported the accident and your insurance company has repaired the other driver's vehicle, it more than likely will affect your rate. When you are at fault, it always affects your insurnace.
Can't have points taken away if you do not get a ticket.
If you didn't receive a ticket, then you won't get any points.
The lender has several options but the one you will be concerned with is: SUE YOU for the money. Depending on how long you didnt have ins. the lender had probably placed ins. on the loan that covers them but NOT you. You will still be looking at a Balance DUE. If ya cant ins. it, ya cant AFFORD to d…
Collection agencies only care about one thing...collecting money. More info is needed to answer this question but if this is a medical collection, you need to find out why your insurance company did not pay it.
You are allowed to write to the Credit Bureau(s) and attach a comme…
Is the doctor going to turn the account over to a collection agency? A collection account would hurt your credit.Is the collection agency going to sell the account to another agency, thus extending the time period it shows on your credit report? If they do, it could hurt your credit for an even long…
If you still own the car (Titled in your name) then yes, you include it.If you do not own the car (Insurance totaled it) then No.
You have to list all debts when you file for bankruptcy, whether or not you plan to reaffirm the debt. In your case, you probably are looking to walk away from t…
If the two cars did not make contact and no damage was done to either city or state property then don't worry about it. The only time an officer gets involved is if actual contact or injury is done.Not certain I understand the issue. If for instance it is a situation, where one car cut off the other…
yes, assuming the are all accident related and she is 100% negligent, and therfore liable/responsible for your damages.......if a specific problem with some of this give more details and i can be of more assistance.....It also depends on whether your state is a "no fault" state or not. In a "no faul…
It will not show up, unless another person was invloved and they
put a claim against you. If you do not report it it will not go on
your driving record.
Answer2: Nothing will show up, but why risk your own life and the
life of other people driving in an uninsured vehicle. This time you
may get away…
check your state law,but if you dont have ins.you maybe found at fault.
if you don't have insurance, its your fault ither way
if there is a suit brought for the accident they will have to name or sue you, not the insurance company, don't panic though, your insurance company should represent you, (if a judgment is entered against you the ins co will pay it, assuming as simplistic as question) if you are ever served with pap…
Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission).You should probably check with your insurance company to be sure, or have your parents call and as…
The insurance company COULD cancel your insurance, because you allowed some body, who was NOT covered on your insurance policy, to drive your car. They COULD also refuse to pay to fix the car, as the driver was UN-INSURED by them.
You have no one to blame, other than yourself, for all this trou…
Yea, go ahead and file a report. That is exactly what you want to do after breaking the law.
Such a person should ask his or her lawyer what are the trade-offs of hoping they'll never be caught and the reality of eventually being tracked down and losing their license for a very long time, in add…
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
The person who hit the house would have to pay for the damage but that person can go back to the person who hit him causing the accident in the first place. It would work the same way as a three car accident.
When an insurance company settles with the other party, they ask for a signed release that absolves them or you of any further liability in connection with that incident.
It's possible that the car owners insurance will cover the damages, but just as likely that it won't. If it doesn't, then the driver of the car will be fully responsible for any and all damages and will probably end up being sued in court to recover the monies owed. It's for this reason that all s…
Who was at fault in the collision? Why were you driving a vehicle that was not insured. Surely the drivers license test in your state asked you specific questions about insurance and you had to know that driving while uninsured is illegal. If you were at fault you are PERSONALLY responsible for t…
It would be better to tow or trailer the vehicle but otherwise I would say that this would work from a legal standpoint. That's not to say though that a legal nightmare wouldn't unfold if there was an incident.
You have to report ALL assets. Any individual can file for Chapter 7, but the whether you are eligible for a discharge is another matter. Your ability to get a discharge depends on your assets, income, debts and monthly expense. Beginning October 17, 2005, it will also become much harder to file fo…
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did …
"Sub-Saharan Africa - According to the "WHO", Ethiopia has the highest rate of fatalities per vehicle in the world. Uganda ranks second in road fatality rates in the world behind Ethiopia. Emergency medical systems are often poor and injury prevention programmes are rarely available." Please note th…
If there is pain and suffering involved, it depends on the type of treatment and for how long. the best thing to do is to call your car insurance company and ask.
first of all it depends on what type of treatment you are doing and for how long. and it is not incorrect to say that the in…
The insurance company can certainly be required to pay for the damages. The problem is, the dad's company might not be real happy about having to pay out for something like that and the dad's company may tell dad that if he wants to keep his job he will pay for the damages.
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don't work? Drivers fault. Not insured? Drivers fault.
If you drive a car that is not insured you can be ticketed for that. If you were not at fault in the…
If the person driving was given permission then all coverage should apply per the provisions of your particular policy.
not final, you can contest the police�s report by hiring independent investigators. But, if the police say you were at fault you probably were according to the traffice rules and regulations.
Most of the time they will give you retail (plus tax) and minus your deductable.You can go to www.nada.com to find the value of your car.
depends on coverage, usually the value to replace car (includes any remaining payments and getting a car comparable to the one you lost, if that lucky)
Read your policy. If the policy says that anyone driving your car with your permission is an insured, then the company that insures that car pays. Many policies exclude certain drivers, so it is not a one size fits all answer.
The insurance for the car will pay, not the driver. Sadly, yo…
Of course, it depends on whether or not you had an eligable adult in the front passenger seat next to you. I had a car accident the day after I got my permit (was driving with an adult). I did not get in trouble with the police; they were very kind and professional about the whole situation. Luckily…
A designated driver has nothing to do with who is liable. In most states and under most personal auto insurance policies, anyone can drive your vehicle with your permission. If the person is a resident of your household, you were probably asked to list all residents when you purchased the insurance.…
You probably can, but why would you? You'd be losing money. Both of you would have to pay for lawyers, and then they'd take a percentage of the money your spouse pays to you. It's not that smart of a move, but you probably could if you wanted to. I disagree with the previous person's answer above. I…
Absolutely. The trooper did not see the accident and has to rely on what he observes at the scene and statements from witnesses.AnswerJust because you were given a citation, it doesn't mean that you are at fault. Signing a citation it's an addmition of guilt, either. Go to court and fight the ticket…
Yes. But a witness would be prefferred. You can tell your story in court if you get that far but the don't embellish it at all. Your lie will give you away.
It depends, so here are some scenerios:If there are several cars parked in a private driveway and you back-up or start speeding out of the driveway and hit another car then you are responsible for hitting the other car.If you were speeding on a road and turned a curve and ended up on someone's prope…
It actually means An unfortunate incident. Example: he met with an
If you're talking about submitting a rental claim to your insurance company to be reimbursed for a rental car you never rented, that's insurance fraud. It's a crime and you could go to jail. To answer your question, which was if one could do it or not, yes. Yes you could.AnswerNo insurance co will r…
an ultra-sound.. you cant know by feeling it or physical evidence
AnswerGenerally by the "book" value. Take into consideration and make mention of any excessive work or upgrades you made to the vehicle and tell the adjuster asap. MUST HAVE receipts to prove this! If you're speaking of inherent diminished value, then the only way the amount of value the car lost a…
Yes.. but make sure you have good documentation with dates on the accident reports.
i believe you can actually file suit against the driver and the owner of the vehichle so my lawyer told me