If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?
As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right?
34 people found this useful
In Michigan if you are in an accident not at fault and have liability insurance only is the driver at fault responsible for damages to your car?
i was rear ended frm behind by another car, the car had insurance but the person driving was not listed as a driver, can i still get paid for mu car damages n body injuries
If you have uninsured motorist insurance and a hit and run driver hits your car will your insurance fix your car?
Answer . First, be sure that you have property damage coverage under your uninsured motorist as well as bodily injury.. Then, be sure that you have filed a police report.…. If you have both of these things, there is a good chance you have coverage, but the final determination is up to the company.
You were an uninsured driver in a car accident in Missouri The other driver had uninsured motorist coverage but now you are being called by his insurance company requesting payment you have no money a?
yes the insurance company will come after you to pay the bill they used in fixing their driver's car. the point i do not know is that, are you responsible to pay the deductibl…e or pay the total, what are this insurance people for anyways, they only make money they do not spend money... try talk to and insurance agency and see if you are to pay a percentage of the money or all.
Will your insurance pay if the accident is your fault and you only have uninsured motorist insurance?
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage attached to it. Therefore, their insurance should pay any medical bills you may be charged for.
You could drive the car with the owners permission only.
It is important to understand the insurance policy that ispurchased on a drivers car. The only way that an uninsured driveris covered in an insured car is id the owner of the …car has that intheir policy.
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is no…t an uninsured driver at all. The insurance follows the vehicle first, the driver second.
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of… two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company.
My car was damaged by other car with insurance but the driver was excluded from their policy Can I file claim with my insurance as uninsured motorists?
Depends on your insurer, some companies cover you for uninsured drivers, some don't. Worst case scenario, you pay your excess and lose 2 years NCD.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her …insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardle…ss of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
If an uninsured person borrows your car and gets in an accident deemed by the other insurance co to be her fault when your insurance has lapsed who is liable the driver or the car owner?
I am sure that there are examples to the contrary, but the car owner is the one responsible for the insurance. It's your car. It's your responsibility to make sure it is insur…ed......it would also be your responsibility to make sure whom ever you loaned it to were licensed and legal.
Yes, If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the …attending officer checks his computer to see if you are in fact an insured driver or not.
Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it… is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let drive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that anyone who drives the car is insured. This is simply not true. Your will have to see your policy definitions for a covered driver or contact your insurance agent for clarification of when a driver is considered covered under your the terms of your auto insurance policy.
Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
The real answer is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what's being insured is the car ,not th…e driver . If you give permission to someone to driveyour car and they get in an accident and it's their fault, usuallyyour insurance company is going to be primarily liable for thedamages. Your insurance company will probably pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn't explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you're probablygoing to be asked to throw them under the bus and testify that they stole your car. One complicating factor is that while what's insured is the car,the rates are set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers' records (highercollision rates). If there's a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company "Oh, no, he's not going to drive this car, he's going to drive a different car insured by some otherinsurer, so you don't have to worry about his driving record." If you live in a state that allows you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be allowed to say "Hey, you said CrashBandicoot here was not going to be driving yourcar, and lo and behold, he did drive your car, liar liarpants on fire, you pay for this, buddy." They maynot be allowed to wriggle off the hook entirely, but they probablywill at least be allowed to use drastically reduced coverageamounts, leaving a large bill for you to deal with. Crash'sinsurance (if he has any) may, or may not, kick in.