Involved in a not-at-fault accident is it your fault or the owner's for driving their uninsured car if you thought it was insured?
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 accident then hopefully the other driver had insurance otherwise the damage to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the owner of the vehicle to have the vehicle insured.
The law clearly states that it is the driver's resposibility to make sure that the vehicle he/she is driving is properly insured and there are no acceptions, you will be ticketed.
The law clearly states that it is the driver's resposibility to make sure that the vehicle he/she is driving is properly insured and there are no acceptions, you will be ticketed.
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What happens when you are involved in an auto accident and it is your fault and you have no auto insurance?
The person can sue you for the damages. Garnishing your wages or property. In many states in Georgia you can also face criminal prosecution including fines and time in jail.
You were in an accident which was not your fault but you did not have car insurance are you liable for this accident?
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…. The minute the other driver's insurance co. finds out that you were not insured, the claim becomes 50/50 and very hard to fight. You pay for yours and they pay for thiers. That's all. (MORE)
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
If an unlicensed uninsured driver has consent of the car owner to drive in a lot and is in an accident does the driver at fault still have to pay?
Yes, (subject to policy exclusions and your state law regarding uninsured unlicensed drivers), the person that is negligent, at fault is the one responsible for the damages to the 'innocent' party. Regardless of their licensing/insurance in most cases.
you will be held responsible/liable and have to pay for any and all damages, vehicle/injuries etc....also will likely lose your license/plates and have many many fines...
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?
Answer . 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?
If you are involved in an accident that is your own fault with an uninsured driver can the uninsured driver and its passengers claim on your insurance although clearly they have broken the law?
Answer . Yes they can. They can also sue you in a civil case. Remember, a major reason for having the insurance is to financially protect others from your wrong doing.
What happens when you are involved in an auto accident and you are uninsured but the other vehicle is insured and you are not at fault but the other driver claims you are?
Not at fault but uninsured Call the police in this case.Unfortunately this is a catch-22 because if you call the policeyour license is suspended for 1 year, if you don't it could be thedrivers word against yours.
Answer . \nSame rules apply as if it was your own car. Make sure you get the insurance information from the person that was at fault and immediately call that insurance company and file your claim. The owner of the car will probably have to verify that you had permission to drive the car. If t…he other persons insurance denies the claim then the owner of the car will have to make a claim under their policy. (MORE)
If someone with insurance is found at fault when they hit an uninsured driver does the at fault drivers insurance still pay for damage to the uninsured car?
Yes, you are responsible regardless whether the other party has insurance or not. . You should recover compensation, but in the UK driving without motor insurance is a criminal offence so you could be prosecuted by the authorities. Also - the mechanics of the collision are important. For example - …drivers without insurance quite often have no driving licence: if the accident was contributed in part by inexperience of the person with no licence compensation could amounts could be reduced by a percentage. See the related link entitled "car driver injury claims" to see when car drivers can recover compensation. (MORE)
What happens if a car accident was not your fault but you were driving a friend's car that was insured by liability insurance?
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 …not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary! (MORE)
Answer . Yes, he should be. Most insurance companies insure the CAR and ask how many and ages of the drivers in the household to determine a rate. If you didn't steal the car, and had permission of the owner you should be insured.
Who pays the medical bill if you are involved in an accident where the at fault party is uninsured and you don't have uninsured motorist coverage but you do have medical insurance?
This is a great question. My husband was hit by a car while on his motorcycle last June. He DID NOT have uninsured motorist on his bike and the woman had no insurance at all, so unfortunately we could not go after her for any money. He was in the hospital for one month, 8 surgeries and is still unab…le to walk like he used to and may never be able to. He lives in constant pain and because we did not have uninsured motorist coverage on the bike, we are at a loss. However, I am attempting to use my auto insurance to try to recoup some money. My husband's health insur. paid the hospital bill of over $300.000.00, but now has a lien on my home for the remaining balance of $165,000.00. My attorney is in negotiations to get that waived. We did recoup $25,000.00 from the owner of the car she was driving's insurance, but Blue Cross is taking that, we do not get a penney. My attorney never advised me to use my medical coverage of my insurance, so I don't know if that could help or not. Maybe I'll try that route too!!. Hope I've been of some help.. Check your auto insurance policy to see if you have medical payments that will pay your medical expense up to $ amount. If you do, then your insurance company will pay up to the $ amount. Or, if you do not have auto medical insurance, have your regular medical insurance pay.. Answer . The person at fault needs to pay your bill. You need to take him to court and have his wages garnished for your bills. If that is not a possibility for you, then your medical insurance should cover it. Answer Also, check with your insurance agent regarding the extra medical coverage you may have purchased along with your auto insurance policy. Most have some. (MORE)
What do you do if someone borrowed your uninsured car without permission and was at fault in an accident?
Answer . Take them to small claims court for the damages. If they didn't have permission, you should have reported it stolen and had them arrested.
Do you have to tell your insurance policy that you were involved in an accident with a company car even though it was not your fault?
U should . \nI heard that u should, and if your personal insurance finds out that u were involed in a accident with a company car under company insurance ur insuance can be black list u.\n. \ni could be wrong.
If your trying to get insurance for the first time and you were involved in an accident with a company car under there insurance and it was not your fault do you still have to tell the insurance polic?
accident and Ins . I had a minor at fault accident with a company vehicle. I provided my current car ins co with a letter from my old car ins co stating that they did not pay a claim on this accident. My new ins company accepted it and ignored the accident.. You can do as above although it is be…st to tell insurance about all incidnets just in case other wise any undisclosed information could invalidate claims (MORE)
Is your full coverage insurance still in force even though you were cited for expired plates and involved in accident that was an uninsured driver's fault?
Answer . Depends On How Strict Your Insurance Company Is, Also How Long Were The Plates Expired. But From Your Info Sounds Like You Should Be OK. Do Hope This Helps
Answer . In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
You will definitely want to seek the advice of an attorney. Just because the at fault driver doesn't have insurance, doesn't mean they are not responsible for damages. If you have a strong case, you may wish to move forward with a lawsuit - to which there may be an out-of-court settlement. If the pe…rson you're planning to sue doesn't have any money, you may just be spinning your wheels because they won't even have the funds to pay any settlement. Choose your battle. (MORE)
If you have an accident while driving another person's car will your insurance or the owner's pay the claim?
Answer . \nAuto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
What happens if an uninsured driver in an insured car is cited for a traffic violation or is involved in an accident?
Answer . \nInsurance follows the car, not the driver. If you had permission to use it you should be fine. If you were cited for a traffic violation, you should just pay it ahead of time and then apologize profusely to your friend, since you just raised his rates for several years. If there wa…s an accident and it involved any serious amount of money / injury, shell out the $70 and ask an attorney. (MORE)
Answer . If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate you…r vehicle.\n. \nYour next Auto Insurance Policy premium will take into account your claims history and charge accordingly. (MORE)
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
An insured driver is unknowingly driving an uninsured car and has an accident The owner of the uninsured car is injured Who pays for the uninsured owners injuries?
Answer . this is tricky, dependant on the state laws...you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accident that is your fault ...the owner of the vehicle is a passenger in the car and is injured...your policy should step in and cover… this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn't matter you didn't know it was uninsured) and if your neglience resulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy.....sorry..... (MORE)
What happens if you are driving an uninsured car and you get into an accident and it was your fault?
Answer . Firstly,, If you are temporarily and unknowinlgly driving an uninsured non-owned vehicle and you do have liability insurance on your own vehicle, Then in Most cases that liability insurance from you own vehicle will follow you to the temporary vehicle as secondary coverage, so the accide…nt may be covered under that policy.. If No insurance exists to cover the vehicle then you can be subject to traffic fines for driving without financial responsibility, Impound of the driven vehicle, Possible arrest at the scene of the accident, Possible jail time, A Civil Suit may be filed against you by the claimant, Suspension of drivers license for up to 10 years or until such time as you have paid for the damages reulting from the accident. Once you have satisfied the associated losses from the accident you may also be required to maintain an SR22 Insurance filing to re-acquire your driving priveledges. (MORE)
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 driving without insurance and are involved in an accident that is not your fault who is responsible for damages to your car What legal consequences are involved for the uninsured driver?
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year …for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also. (MORE)
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
Is my insurance and driving record affected if i have an at fault accident while driving a friend's car?
yes. it goes on your record and insurance companys look at you record from time to time
If an insured person allows an uninsured person drive her car and the uninsured driver has an at fault wreck who pays?
The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver
Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
If you an uninsured motorist were involved in an accident that wasn't my fault will the guilty party's insurance pay for a rental car for you?
Your question is confusing. The way I read it, the one that caused the accident was uninsured, so how can that person's insurance company pay for your rental car? He has no insurance company.
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--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
If you are drunk and are uninsured but is driving a car that is insured and get into an accident are you covered?
You will NEVER be covered when you are drunk, you will be fined and put in jail! the reason for this is that too many idiots get behind the wheel of a car when they are drunk , many they have no respect for human life and do not even bother to think that they could kill someone!!
If someone drives your car with a valid license but your car has no insurance and they have an accident and at fault?
Hope that you have lots of money.. Tell me your not stupid enough to drive a car with out 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 insured......it would also be your responsibility to make sure whom ever you loaned it to were licensed and legal.
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
What if you were in a car accident that was not your fault though you did not have insurance but the vehicle is insured?
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
What happens if you let a friend borrow your car that is uninsured but the friend has non-owners insurance and he gets into an accident that wasn't his fault?
almost all states require liability insurance. the fact that the friend had 'non owner' does not mean that it was ok to drive an uninsured vehicle. the law requires the vehicles, not the drivers, to be insured.
Who is Liable for an accident if the driver of the vehicle that is at fault has insurance but the car he is driving is not registered in his name?
It really depends on the laws of your State and the policies involved. That being said, usually the policy on the car in question is primary in the resolution of any claim, and then the driver's policy would be in a secondary position.
Pray and Pay. You will be responsible for all costs associated with the accident. If you don't have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you… had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should try and work out a payment plan with the insurance company. Depending on the state you live in you will probably face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in full. You may be able to get a limited permit to go back and forth to work only. (MORE)
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 dr…ive 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. (MORE)
You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Probably not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter's fault, then the at fault party is responsible… for the damage they caused to your vehicle, regardless if the other party was licensed or not. (MORE)
What happens if you are driving an uninsured car that you also own and you get into an accident and it was your fault I have basic insurance on another vehicle but none on this vehicle in question?
If you are driving an uninsured car that you own and you get into an accident that is your fault, then you have to personally pay for the various expenses that may result from that accident, which includes both the cost resulting from damage to the cars involved, and also any medical expenses which …result from injuries to people in those cars. Since you also are legally required to have insurance, the police may impose additional penalties. (MORE)
What happens in a car accident if both cars involved do not have insurance and the car at fault was drunk driving?
If neither vehicle was insured you will have to sue the other party in order to collect any damages. Drunk driving is a contributing factor but really whichever party is at fault for any reason will be liable to the other party. The bad news is that if the person did not have insurance the probably …don't have assets to pay the damages. This is why you need insurance and uninsured motorists coverage. (MORE)
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 the 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. (MORE)
What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?
Since you are the only person with insurance it would be yourinsurance that pays, if your policy says this situation is covered.It depends on your insurance policy. Some cover you, others don't