Although it depends on your insurance, the driver is covered if driving with your permission.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
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.
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.
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?
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.
Usually your own insurance.
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).
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.
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.
Your insurance rate will increase.
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.
Well Someone will sue you and the insurance will do something about it!
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.)
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
If it was someone you lent your car to, then it should
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.
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.
The insurance company has no reason to raise your premium, the situation was completely out of your hands.
then your both screwed
If they were not parked illegally then they are not responsible for your accident.
When someone causes an accident and he has no insurance, he is liable to pay for the damages out of his own pocket. Some of the costs may be too much to bear and that is why people are better off having insurance.
I don't know exactly how AIG is setup but tickets and accidents usually stay on your insurance for 3yrs. During that 3yr. time frame you will have points on your insurance, the more points the higher the premium. Some companies will look back as far as 5yrs. If your accident is older than 3yrs. but still within 5 it my affect how your policy is tiered. The accident at that point my not cost you any points but because you have had a ticket or accident in the last 5yrs. you may be placed in a different tier than someone with a clean driving record because you are considered higher risk.