0
What happens if an insured driver hits a driver who is not insured on the cars policy?
Wiki User
∙ 13y ago
Well you see, it is for this very purpose that car insurance is required by law; it is unfair on the rest of the insured drivers if some drivers are not covered. so, basically, you wouldn't be paid out for damages unless your insurance company or broker covers you for being hit by uninsured drivers.
Wiki User
∙ 13y ago
Add your answer:
Earn +20 pts
If my daughter does not own a car and is not listed on my insurance policy can she drive friends cars and does their insurance cover any accident she may have?
Subject to any exclusions in their policy, with permission she would likely be considered an insured driver, but many many exclusion, and one is that she isn't a 'regular'' driver, without being rated on the policy of course.
I was driving my uncle's vehicle 2 other cars crashed and one spun out of control and hit me I was not on my uncle's policy so the other insurance denied my case is this true?
This is false, unless you were explicitly named as an uninsured on the policy, you are insured. The policy follows the vehicle, not the driver. This is True in California at least...
Does a new teenage driver need to be insured himself if hes only driving his parents insured cars?
He should be a rated driver in the house on something. If not,,,the insurance company could decide to cancel if the teenage driver was not rated, and had a negligent accident.
Stopped for driving someone else's vehilcle that was not insured but i am insured on my own cars what happens?
i believe youd be arrested for Grand Theft Auto
Can you be insured on 2 motability cars?
Yes you can be insured on 2 cars.
Do all cars insured on same policy have to be registered at same address?
No it not be but for your confirmation you have to visit this site http://www.insurance-info.page.tl
Are you insured to drive other cars which are not insured?
You should double check with your insurance company to see how your policy is written, but usually your insurance would kick in as secondary coverage and you would be covered.
Can an added driver get their own insurance card?
If you are a listed driver (drive one of the insured vehicles on a somewhat regular basis or have it available for your use regularly, or if you live in the same household as the insured even if you don't drive their cars, but technically you have access to the keys and car since you live in the same house) OR even a Rated Driver (parent owns the car but you drive it more than anyone else on the policy, so the premium is calculated using your driving record and info), you can have a policyholder request an additional card. He or she may have access to print one from the company's website. Regardless, the card will NOT show your name. It will only show the Primary Insured and (if applicable) Additional Insured who are the Policyholders (or Policy Owners).
Insured on 2 cars. What happens to my no claims bonus?
I am now insured on 2 cars as the main driver. My car I am the registered owner and keeper and have 12 years no claims bonus. On the second car I am not the legal owner or registered keeper and as my 12 years are on the other car I have 0 no claims on this one. The insurers are different. What will happen to my 12 years no claims on my car if I have an accident in the car that has 0?
If you own two cars do you have to carry the same auto insurance on both cars even if both cars are in your name?
You can have ins on both car with same ins polictyAnswerYes, You need both cars insured. the vechicle can be added to your policy.
We have 3 older vehicles insured with you. Our 17 year old daughter just got her drivers license. I want to get a new car which she will not be allowed to drive. Can you give me an insurance rate?
I'm Not sure who you insure through but any minor over the age of 15 MUST be added as a driver on the policy. It does not matter if she will drive the car or not, she still must be stated on the policy and be insured for all cars. at least that's the law where I live.
Will an insured driver liability cover intentional damages to uninsured car that is parked?
Yes, as long as the car is parked on private property. Cars stored on private property and not "in service" are the same as any other property, If the insured runs into your parked car our your house the insurance will pay. That's not quite correct. If the damage was intentional, meaning that the driver of the insured car deliberately struck the uninsured parked car, then the at fault driver's insurance will NOT pay because of a clause in the policy that excludes coverage for 'intentional acts' like criminal activity (which is what this is). So the parked car's owner would have to pursue a civil case against the at fault driver and try to collect against their personal assets.
