0
Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?
Wiki User
∙ 14y ago
No. Insurance follows the vehicle primary, driver secondary. Since the driver is At Fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
Wiki User
∙ 14y ago
Add your answer:
Earn +20 pts
Who is considered an uninsured motorist?
Anyone without valid auto insurance that is driving is an uninsured motorist.
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.
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
Why get uninsured motorist insurance?
Because there are many people who are driving without insurance coverage in our nation. Far more than you realize. It is a stupid and reckless crime but it happens all the time. If you do not have uninsured motorist coverage you will be on your own to try and collect your damages from someone who has chosen not to pay for legally required insurance. How well do you think you will do on collecting from this type of person. Plus the insurance company pays for the legal fees involved in getting judgements and collection.
What is the average insurance premium for a 16-year-old boy driving an SUV in North Carolina?
It depends on on the year, make, and model of the SUV. Also depends on if the insurance is liability, uninsured motorist, or full coverage.
If you hit your own car while driving another persons car is there coverage?
The Property Damage coverage on the car you were driving should cover the damage to your own car. In the event that the car you were driving didn't have insurance coverage then you may be able to make a claim under your own Collision coverage or Uninsured Motorist Property Damage coverage could apply.
Does a learners permit have to be insured in new york?
Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.
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.
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 your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't
If you are driving another person's car with permission and have an accident with an uninsured motorist running a red light will it be covered?
99% of all insurance companies will cover such situations.
How do you find out if an insurance company carries uninsured motorist insurance for company commercial drivers if that company is procrastinating about telling the driver the truth?
Well, you say 'procrastinating,' but your question is not really answerable, and, coming from an employee, impertinent. Regardless of whether the company driver is actually driving for an insurance company--doubtful--or not, they have 'comprehensive' commercial insurance; 'uninsured motorist' insurance is just a way to rephrase 'comprehensive' insurance for those who might not grasp the term.
Does insurance pays for a comprehensive insured car driven by an uninsured driver?
Comprehensive coverage does not apply to the driving of a car. It should be covered.
