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Does your premium go up if someone without insurance had permission to drive your car and gets into an accident that was their fault in NJ?

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Wiki User
2005-09-17 06:14:22
2005-09-17 06:14:22

Generally speaking, if your insurance has to pay out, then there probably will be an increase. Good luck.

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

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The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.

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Usually, if the driver had the owner's permission to drive. What happens if the car is owned by the person that has the accident but the insurance is in your name? However you no longer want to be in that relationship or to have to pay that insurance?

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ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.

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In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.

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If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.

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Your insurance rate will increase.

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While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).

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They or their insurance company needs to pay for damage and medical bills in the accident. If they don't have insurance, they can still be sued for the accident by the victims insurance company.

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Many people do this, but it is not recommended. It is still considered an attempt to defraud. I recommend that you use this situation to check around for cheaper insurance with the new accident as a part of your quote. Some insurance agents will pull your record and not see it, and not include it in the quote, you may fly under the radar for that first year, and enjoy a lower premium, but let that be something that they do. Just be careful with disclosure laws, many insurance companies deny claims when people leave things out.

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Well Someone will sue you and the insurance will do something about it!

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Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.

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NO. the accident happened while he had his fathers car insurance. If he switches insurance he still uses the insurance he had when he got into his accident. However, your health insurance with pick up the difference.

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Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.

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Generally yes , UNLESS they took your car without your permission, in which case you should have them arrested for car theft to protect yourself financially

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Probably. When you purchase insurance, you are insuring the car. If you drive someone else's car and have an accident, their insurance should cover the costs (but their insurance *may* sue your insurance company for compensation/reimbursement.)

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If it was someone you lent your car to, then it should

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If the person driving the vehicle was doing so with the owners permission, IN MOST PLACES, the owner and the owners insurance company are financially responsible and you should be able to sue and get compensation.

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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.


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