First of all you should not let this happen. Most states allow you to formally exclude any driver (listed or otherwise) from a policy in order to avoid an adverse action on the policy. Second, if you have a valid driver's license you can always get insurance, maybe not at a price you are happy with, but you can get it.
The surcharge is part of the bill and I imagine your policy would get canceled if not paid in full eventually. If it does get canceled you will find it difficult to get insurance through another company and they can ding your credit for non payment but usually that take a few months depending on the company.
The function of insurance companies is to pay out if you are in an accident or require reimbursement after such as an accident caused by yourself or another person.
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.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Report the accident to your insurance company. If this was a single car accident - meaning yours- your insurance will have to pay for the repairs minus your deductible. If another party caused the accident you need to turn their insurance information over to your company and they will take it from there.
If the accident was your fault, the other party's insurerhas no duties owed you.
What is "it"? The question is not clear.
When you cause an accident that damages another vehicle or hurts someone
In most states an insurance company must report to the DMV of your state that your insurance is been canceled. This often results in your state suspending your drivers license unless you can prove that you do not have a vehicle, and that the reason your insurance was canceled was because you no longer have a vehicle. The license plate that was obtained for the vehicle must be returned to the DMV. If insurance was purchased for the vehicle from another insurance company, then you must provide proof that you have insurance from the new insurance company. If the actual owner of the vehicle bought insurance from another insurance company, then this should be easy to prove.
Yes,, That's what it's for. It pays for damages you caused to another.
The insurers of the driver who was deemed to be at fault for the accident.
Lack of payment or too many collisions the insurance company has to pay for. If you want to cancel your auto insurance policy to go with another company, call your insurance company and tell them you want to cancel your insurance but be ready for them to try to persuade you to stay.
You don't. You sue the individual. The insurance company is obligated to take care of the obligations of the individual.
The rule of thumb is that the owner's insurance pays first and, if that coverage is inadequate, the driver's car pays.
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
First, you cannot find out what insurance company another person uses as this is a privacy issue. If you have had an accident with this person, the insurance company will be listed on the accident report. This is your only option for getting the insurance company name, unless the person wishes to tell you.
If someone is seeking damages from an injury as a result of an auto accident and they are not satisfied with the offer from the insurance company I would suggest that a lawyer be consulted.
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
Uninsured motorist covers you in the case you are in an accident with another driver that does not have insurance. Comprehensive coverage is what will pay when you hit a deer.
call the dealer and insurance agent.
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.
Most insurance companies will instruct you to call them first when you have an accident, unless there are injuries. You should call the police to get an accident report.
There isn't a database that I know of that records this information.