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It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.

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Q: Are you covered by your insurance if you are driving in a cast and are involved in a car accident?
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Related questions

If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?

Although it depends on your insurance, the driver is covered if driving with your permission.


Is your insurance liable if your vehicle wasn't involved in a fatal accident?

If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.


If your husband has his own insurance for his vehicle and you exclude him the insurance on your car will he be covered by his insurance if he was driving your car and had an accident?

You have to list the drivers covered to drive your car on the policy. If not he is not covered.


How do insurance companies know you had an accident?

1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.


If you are riding in a car and an adult is driving are you covered by insurance in case of an accident?

Only if the car you are riding in has insurance coverage.


Does my insurance premium go up if you are involved on an accident which i borrowed a friends car?

If the accident goes on your driving record, yes.


Whose auto insurance will cover you if driving another person?

This depends on the insurance policy. Usually your car is covered, no matter who is driving it. However, if you are driving a car and the owner doesn't have insurance, then your insurance would pay if you got in an accident.


What happens if your child is driving a friends car without permission and is involved in a car accident and your child does not have car insurance?

If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.


You were involved in a minor fender bender no police report was filed but insurance company will be notified Will the accident show on your driving record even though the police was not involved?

It shouldn't ... normally insurance companies do not report the accident to the police authorities unless a death is involved. However, since you reported the accident to your insurance and if you are at fault, it may cause your rates to increase.


Will my car insurance be affected if I am a named driver on someone else's insurance and they need to claim their insurance?

No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.


Who would be held responsible for a car with no insurance if it is involved in an accident would it be the car owner or the person driving the car?

Owner.


If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?

You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.