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Can an insurance company sue the owner of the uninsured vehicle?
Wiki User
∙ 11y ago
If it is your car, get insurence. If it is not, sue them.
Wiki User
∙ 11y ago
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What is the uninsured motorist clause about in the US?
The clause in a policy of insurance on a motorcycle, provides that if the owner of the motorcycle is injured by a negligent driver of another vehicle who doesn't have liability or insurance, then the insurance company will pay its insured's damages.
If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
If a wheelchair van owner has no insurance on their vehicle what insurance coverages are covered by the fully insured drivers own insurance if they are a caregiver of the owner?
Insurance follows the vehicle. If the owner of the wheelchair van has no insurance on it, and the person who drives it, has insurance on their own vehicle.... then the wheelchair van would still be considered an uninsured vehicle. Again, insurance always follows the vehicle. The driver who is not the owner cannot use his/her insurance to cover the wheelchair van because they have no 'ownership' or 'insurable interest' in the van.
Do I have to provide insurance for my company vehicle?
Unless you're the company owner, you generally don't need to provide insurance for a company vehicle.
If an uninsured driver with no license wrecks your car even though the wreck was caused by the other driver what happens?
The vehicle owner is responsible for 100% of the damages. They can let anyone drive their vehicle as long as they have a valid license (being uninsured is not a factor), but if they turn their vehicle over to an unlicensed driver, the insurance company will not pay that claim.
Does uninsured motorist coverage cover an uninsured driver of the car in a single car accident?
No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy.
If you got a ticket for not having car insurance are you responsible or is the owner of the car?
The owner of the car. If YOU got a ticket because YOU were operating an uninsured vehicle on a public road, YOU are responsible for the ticket. There may also be a citation for the owner for having the vehicle registered without the required insurance.
If Im not the original owner of vehicle how do I get insured on the vehicle?
You do not have to be the original owner to be on the insurance. You just need to call the insurance carriers company and ask that you be added as a driver on that vehicle.
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?
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.....
Who is responsible when the driver of the vehicle was excluded from the insurance policy?
Car insurance typically follows the owner of the vehicle, not the driver. In the cae of an "excluded driver", unless that driver has his own policy that assumes coverage for a "borrowed" car, the original vehicle owner would be considered pursuable as an uninsured motorist.
What happens if you are rear ended by someone without car insurance?
If you have collision coverage, file a claim with your insurance company. They will pay for your damages, minus your deductible, and then pursue the other vehicle's owner to get your money back (Also check your policy to see if you have Uninsured Motorist Property Damage). If you don't have either coverage, you would have to pursue the other vehicle's owner legally.
Is it legal for an insurance company to let you get liability insurance on a vehicle that has a lien holder on it?
Certainly, liability insurance has nothing to do with who owns the vehicle. It deals with protecting the owner of the vehicle if sued as a result of an accident. Collision and theft protect the owner of the vehicle from loss.
