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Insurance is based on liability. In other words the person who is At Fault must pay for any damage caused. It makes no difference whether the at-fault driver crashes into an animal, a person, a parked car, a moving vehicle or even a wall or some street furniture.

The problem in most cases is (1) finding the person responsible and (2) recovering the money if they are not covered by insurance. Trying to prove it is the first step.

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โˆ™ 2010-05-29 19:09:04
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Q: A parked car that is not being driven is hit without insurance is the person who hit it responsible to pay for the damage?
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In a one car accident who is responsible for damage to the vehicle if it was driven by someone other than the owner?

The primary insurance would be the policy that insures the vehicle.

Does storage insurance cover an accident if the car is driven?

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Would it be legal to test drive a car before purchase in Missouri with a valid license but without insurance and what would your liability be?

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In most states, anyone who drives a car needs to be listed on the insurance. If an accident were to occur then the husband could be liable for allowing the car to be driven without insurance.

What is the difference between antique auto car insurance and regular car insurance?

Antique car insurance is usually based around replacement value and assumes the car will not be driven often except maybe to a car show. Regular car insurance is based around replacement value as well as potential damage and injury since it assumes the car will be driven regularly and have more potential for accidents rather then theft.

If a mother owned a car with full coverage insurance and her 22 year old son with a license took it without permission and had an accident would it be covered?

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Will the insurance company pay for a vehicle that was driven by a suspended license driver that no other cars was involved?

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Do you need car insurance on a car that's not being driven but has a loan?

Ordinarily, the lender will require, as part of the terms of the loan, that the vehicle be kept insured for physical damage, so as to protect the value of the collateral. Damage can be done even if the car is not driven, such as by fire, storm damage, or similar occurrences which could be covered by comprehensive coverage. The loan documents will generally provide that in the event insurance is not maintained, the lender can secure physical damage coverage on the vehicle to protect its own interest. The cost of that "single interest" coverage is usually disproportionately high and will be added to the loan balance.

What do lenders do on a car loan with no car insurance?

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If uncovered driver gets speeding ticket in your car?

If a person that is not covered by the insurance of the car being driven is given a ticket, the driver is responsible for the ticket. The insurance company that covers the car can tell the owner what affect it may or may not have for the policy owner.

In New Jersey a rental vehicle driven by an unauthorized driver had an accident which was his fault. The passenger was injured. Whose insurance carrier should be responsible - driver renter or Hertz?

The person who rented the car is responsible because they allowed the unauthorized driver to drive the car. Hertz would not be at all responsible.

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I am not positive but I would guess that (saying your BF is at fault)1) Your insurance will not cover your car since it was driven by someone without a liceance2) Your BF's insurance is not valid since he does not have a drivers liceance (even though it is active)3) You will be personally responsible for the damages to your car and your BF will be responseable to any damages he has cause during the accident.

Do you need to buy auto insurance in NJ if the car is not being driven and is just sitting in a garage?

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Do 150.CC.dirt bikes have to have insurance in Ontario?

Dirt bikes require insurance in order to be driven on the road. If you are just using it on your own personal property, insurance is not necessary. However, your home insurance will not cover the bike if it was stolen, damaged etc. Otherwise known as Physical Damage coverages. A good website for reference is Many of your questions & concerns will be answered.

Can Renault tractor 106-54 stuck in diff lock be driven any distance without damage to tractor?

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