How much would insurance cost if you were involved in a car accident that was your fault and both drivers have liability insurance?
How much will it COST? If you have a good record of several years without claims, your premiums may not increase, but if you are a new driver or have had prior claims the increase will be determined by your insurer and no one else can give you a definite answer. Or how much will it PAY? If it was your fault, your liability coverage will pay for the damage to the other driver's car and if you do not have collision coverage, you get to pay for your own repairs.
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What happens if you have no auto insurance and no drivers license and you where in car accident but it was not your fault?
Answer . Sorry to say, Eva, but an uninsured car is not supposed to be on the public streets and a person with no license is not supposed to be driving a car. Since you contributed to the accident by violating these laws, you are at least partially at fault. The other driver's insurance company… is going to deny any claim you submit.. ( Full Answer )
If a passenger in the backseat unseatbelted is injured and the driver of the car is at fault what liability does the driver's insurance have?
When taking a one day "Driver's class" in a classroom setting, to get a speeding ticket off my record in California, the instructor told the class to read the "fine print" on your policy, because many insurance companies elect to not cover you for injury in an accident, if someone is not seatbelted.… This is probably why in the Emergency Room, they always ask you multiple times, by different people, at different times, "Do you remember if your seatbelt(s) was(were) on?". It is best to make sure you ask when shopping for insurance the question in advance, or better yet, this is why the instructor said it gives you full cause to ask everyone in the car to fasten up, before you will drive them anywhere. Otherwise, you are entitled to ask anyone who won't who will put you at risk, and everyone else in the car, to not share in the ride. (At this point, everyone will be belted in!) ( Full Answer )
If you are in an accident and the other driver says you were at fault does this mean your car will not be repaired by your or their insurance?
No, if you have the right coverage (collision) your company will still pay for your car.
If a pedestrian is found at fault in an accident involving a car and pedestrian which insurance would pay the medical bills - the auto insurance or the pedestrian's health insurance?
\n. \nSince Pedestrians always have the Right of Way, It is very rare if not impossible to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills.\n. \n Answer \n. \nIt depends on your state's laws, bu…t typically -- and strangely enough -- you'll find that the auto insurance will cover the pedestrian's medical bills. On the other hand, if your state doesn't require you to carry medical coverage (either Medpay or PIP) on your car insurance, the pedestrian might have to go to his or her health carrier.\n. \nThe reasoning behind this is that, despite liability, it's against public policy to not cover the medical bills of a pedestrian hit by an automobile. If auto insurance didn't pick up those bills, it would have a cascade effect on all the medical providers and vendors who attended the pedestrian. ( Full Answer )
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?
No, Liability Insurance is just as it says, Liability only pays for damage you cause to another. It will not pay for damages to your vehicle if you had only liability coverage. s from other contributors Usually they don't. If you had no type of uninsured motorist protection which doesn't cost t…hat much it's in your hands basically to repair your damages. You could sue the assailant for everything they are or ever will be worth but after you win the case they will eventually declare chapter 7 bankruptcy and you'll never get anything from them. Take my suggestion and GET uninsured motorist coverage on your next vehicle. It may cost a little more but it's well worth it. another answer: I live in Texas, and, yes, the liability only pays for the other vehicle, assuming you were at fault. If the other driver was at fault, their insurance should pay you. HOWEVER, I want to explain something that most people don't know. If you have only liablility, and your car burns, you hit an animal, a tree falls on it, or ANYTHING that is not your fault, including running off the road and hitting something, you are just out of luck. BUT, if you have "COMPREHENSIVE INSURANCE" you will be covered for all of these things. Comprehensive insurance is VERY inexpensive, and if you have to file a claim using it, your rates will not increase. I drive older vehicles, and full coverage isn't feasable, so, I have liability and comprehensive on them. Several years ago, one of my trucks burned, and I was comphensated very fairly for it. If I had had only liability, well, I'd been walking. Please check it out if you are used to paying for only liability. I don't think comprehensive will pay if the other person just didn't have insurance, but, it will pay you if an "act of GOd" has happened, something unavoidable, like fire, and accidents not involving other vehicles. billlyh In the state of Kentucky they have "no fault" insurance which is mandatory even on only liability....so you're covered in the event someone else causes the accident. However, after your car is fixed and there is no other insurance company to collect off, then your insurance will go up to pay for the claim. There is also "uninsured/under insured" riders. Check with your insurance company and state Dept of Insurance. ( Full Answer )
What do you do when you are involved in an accident that was not your fault but your insurance has lapsed and the other driver wants your information?
%DETAILS%. Answer . Tell that driver exactly that. And see what type of arrangement, you can come up with. In most states, your license will be suspended for a year, so if its not your fault, explain to the driver, even with your information it will not tilt the scales in his favor with the insu…rance company, but surely damage your license.. ( Full Answer )
What happens to your drivers license when you are at fault in an auto accident and you do not have car insurance?
%REPLIES%. Answer . dl suspension for one yr and your going to need an sr22 for 3 yrs.. its not good. Answer . You probably will be arrested and if you are unable to pay the costs in full to the victim(s) you may be looking at some deep jail time, your driver license can actually be suspende…d for anywhere from 1- to TEN years depending on what state you live in but if the damages aren't paid, forget about ever seeing your picture on a license again.\n. \nBy the way, the 3-7 period a SR-22 is required starts when you are released from jail and your license is reinstated, not the day of the accident.. ( Full Answer )
If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on …my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket. ( Full Answer )
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?
Answer . As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right?
Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?
It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only "legal minimum". And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. Ther…e may also be an issue if the passenger is a member of your household. #2 answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. . In the UK - the answer is simple. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled "car accidents caused by family members" to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship. ( Full Answer )
What happens if a car accident was not your fault but you were driving a friend's car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did …not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary! ( Full Answer )
Involved in a not-at-fault accident is it your fault or the owner's for driving their uninsured car if you thought it was insured?
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don't work? Drivers fault. Not insured? Drivers fault. Answer If you drive a car that is not insured you can be ticketed for that. If you were not at fault in t…he accident then hopefully the other driver had insurance otherwise the damage to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the owner of the vehicle to have the vehicle insured. Answer The law clearly states that it is the driver's resposibility to make sure that the vehicle he/she is driving is properly insured and there are no acceptions, you will be ticketed. ( Full Answer )
Do you have to tell your insurance policy that you were involved in an accident with a company car even though it was not your fault?
U should . \nI heard that u should, and if your personal insurance finds out that u were involed in a accident with a company car under company insurance ur insuance can be black list u.\n. \ni could be wrong.
If your trying to get insurance for the first time and you were involved in an accident with a company car under there insurance and it was not your fault do you still have to tell the insurance polic?
accident and Ins . I had a minor at fault accident with a company vehicle. I provided my current car ins co with a letter from my old car ins co stating that they did not pay a claim on this accident. My new ins company accepted it and ignored the accident.. You can do as above although it is be…st to tell insurance about all incidnets just in case other wise any undisclosed information could invalidate claims ( Full Answer )
\n. \n Answer \n. \n. \nNo lovey not if your the one at fault... Insurance only covers the other person if your at fault sorry honey.....\n. \n. \nIt depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cov…er the other person's damage. If you also purchased collision insurance, that will pay for your vehicle (less the deductable). ( Full Answer )
What happens if both drivers involved in an accident have no insurance and no police report was filed?
Answer . \nIf both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.
What happens if an uninsured driver in an insured car is cited for a traffic violation or is involved in an accident?
Answer . \nInsurance follows the car, not the driver. If you had permission to use it you should be fine. If you were cited for a traffic violation, you should just pay it ahead of time and then apologize profusely to your friend, since you just raised his rates for several years. If there wa…s an accident and it involved any serious amount of money / injury, shell out the $70 and ask an attorney. ( Full Answer )
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage attached to it. Therefore, their insurance should pay any medical bills you may be charged for.
Question If you are involved in and auto accident in Florida and the other driver is at fault but has no auto insurance and you are injured can you sue your insurance company for injuries?
No, you cannot sue your insurance company for injuries....actuallly, I take that back. You can sue anybody for anything...but in this case, you would not win. Your policy should have a coverage called Uninsured Motorist Coverage. Typically, this would cover the injured parties in your vehicle if the… accident was caused by an uninsured driver. This would cover your injuries in such an incident. Unfortunately, this coverage is not discussed by most insurance agents and is included as an afterthought. Be sure to check your policy and see if this is there. You should never have a lower Uninsured Motorist coverage than your Bodily Injury amount. ( Full Answer )
If you are driving without insurance and are involved in an accident that is not your fault who is responsible for damages to your car What legal consequences are involved for the uninsured driver?
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year …for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also. ( Full Answer )
No, but they will be liable for a citation if the police arecalled. Fault for the collision is based upon negligence. This can befounded upon carelessness (i.e. not yielding right of way), orviolating a traffic regulation. Not having insurance does not equate with fault for collision.However, if t…he law if the jurisdiction requires one or more typesof auto insurance, which it likely does, a citation will probablyissued for that. California Vehicle Code Section3333.4 States:. If you have no liability insurance covering you for theoperation of the vehicle that you were driving at the time of anaccident, you get no money, zero compensation oryour pain and suffering. Not a penny more than your reasonablemedical bills. Period. End of story. (The only exception to thishard and fast rule is if the at-fault driver was convicted ofdriving under the influence pursuant to California Vehicle CodeSection 23152 or 23153). . To add insult to injury, driving without insurance will subjectyou to having your car impounded, temporarily losing your driver'slicense and paying a hefty fine. See California Vehicle CodeSection 16029 for further details. . Bottom line: If you're going to drive in California, get autoinsurance. ( Full Answer )
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have "liability only" coverage, then their is no coverag…efor your own vehicle if you were at fault. ( Full Answer )
He will be left with a wrecked car! He will also have to pay for damages to any other vehicle(s) involved in the accident. However it can vary from country to country, but in the UK, not having Car Insurace is illegal, so the uninsured driver would be a bit screwed! I think in the UK you can even …end up serving a short-term jail sentence for repeatedly dodging insuring your car. I'm not 100% though. Even if the the insured driver is at fault - the uninsured driver will be left paying for the mess himself - and will have to fix the car with his own money. But if you live in the US - then this could be completely different. ( Full Answer )
If you have a police report from the incident, you can try to prove that it was the other guy's fault. However, if you simply exchanged insurance information, there's nothing stopping the other guy from changing his story, at which point it becomes a he said/she said argument, with the insurance com…panies trying to save their money.. If you can't "prove" it was his fault, and you didn't involve the police at the time of the accident, you're kind of screwed. Take it as a very expensive lesson to always involve the authorities as an unbiased third party. ( Full Answer )
If a driver has no insurance but drives a car covered by no fault gets into an accident will the owner of the car be able to file a claim with his insurance company?
No fault laws refer to injuries only not property damage. If you have comprehensive and collision coverage on your vehicle the damage to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver's injuries if he does not own a vehicle then t…he personal injury protection on your policy will cover his injuries, once again subject to any exclusions. ( Full Answer )
If you are the driver of a friends car involved in an accident are you covered under your insurance or the owners insurance?
depends on the company and the details of the accident. most commonly the owner of the vehicles' insurance will pay the claim and then subrogate (recover money paid out) against the drivers insurance company. for example, let's say you have state farm and i have allstate. you are borrowing my car… and get into an at fault accident that cause $10,000 in damages. allstate will go ahead and pay the $10,000 to the other party. once that is done allstate will basically send a bill to state farm for the $10,000 they paid out. ( Full Answer )
What is a person at fault with no car insurance in accident to do. in a car accident where i was at fault. i does not have insurance on my car. both cars are totaled. other woman has insurance help?
If you were at fault, then you are liable for all costs. Whether you have insurance or not does not negate your liability. In most states if you fail to pay for the claimants losses you will lose your driving priviledges for up to 10 years or until you pay the bill which ever comes first. If the ot…her person has insurance to pay for their losses then you will be required to re-imburse that Insurance Company for the damages you caused, You are still the at fault party and are liable for the damages. If you don't pay the Insurance company they can also turn it over to a collection agency and it will definitely affect your credit for the next 10 years. Basically to sum up. If you don't pay the damages you will likely lose your credit rating as well as your drivers license for the next 10 years. Good Luck ( Full Answer )
What happens if you have auto insurance but no drivers licnese and you get into an accident that is not your fault will the person at fault insurance still take care of the damages to your car?
You get a ticket and your insurance goes up. You can not drive without a license and if you cost the insurance company money they raise your premiums especially if you get a ticket
If you are involved in an accident and have auto liability insurance and the other driver does not what are your rights?
Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now …wants me to fix her automobile. What are my rights in this situation? ( Full Answer )
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
Can you be charged higher car insurance after you were involved in an accident and it was on a different company policy it was also not your fault and settled by the other driver?
If I understand your question you are in an accident not your fault and it was settled, but the insurance was through a different company than the one you had ? I think they can hike the rates.
How much can you be liable for an at fault accident with 2 parked cars. Your coverage is 5K liability and you estimate the repair cost to be 15K. Will the other guys insurance companies go after me?
Your financially liable for all damages and associated losses. Whatever that amount happens to be. Your insurance policy will pay up to it's policy limits.
If you loan your car which has liability insurance to a friend and he has an accident can other drivers sue you?
This depends on the state. In California if you loan a friend your vehicle and he kills someone with it, then you are also charged with manslaughter!
What if you were in a car accident that was not your fault though you did not have insurance but the vehicle is insured?
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
Time to dig into your savings and pay the claim yourself or you can find your drivers license suspended for the next 10 years or until you pay off your debt from the accident, whichever comes first.
What happens when there is a car accident but the person not at fault has insurance but no drivers license?
your still in trouble since you dont have a License,if you have a mean judge,
The answer depends upon many factors. If you are referring to automobile liability coverage, some of the factors include: 1. The insurance company involved; 2. The make and model of the vehicle; 3. The age of the primary driver and others who will use the car; 4. The driving experience o…f the primary driver and others who will use the car; 5. The accident history of the primary driver and others who will use the car; 6. The number of miles expected to be driven; 7. Whether the vehicle will be used primarily for personal or commercial purposes. ( Full Answer )
Who is Liable for an accident if the driver of the vehicle that is at fault has insurance but the car he is driving is not registered in his name?
It really depends on the laws of your State and the policies involved. That being said, usually the policy on the car in question is primary in the resolution of any claim, and then the driver's policy would be in a secondary position.
Can you file an insurance claim against both the at fault drivers insurance and the owner of the car you were driving when the accident accured?
No, The at fault driver in the other vehicle is responsible for your losses. Not the person from who you borowed the car you were driving.
Pray and Pay. You will be responsible for all costs associated with the accident. If you don't have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you… had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should try and work out a payment plan with the insurance company. Depending on the state you live in you will probably face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in full. You may be able to get a limited permit to go back and forth to work only. ( Full Answer )
You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.
If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your....and vise virsa.
What happens if a fully insured driver admits fault for hitting a parked vehicle but the other driver involved in the accident had no license insurance or registration?
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
Can i collect on both sides my insurance and the faulted drivers insurance i have a lien holder on my car a?
No, you can't. When you collect from your insurance company, they will pursue the other driver's insurance because the accident wasn't your fault. When your insurance company finds out that you collected from the other insurance company already, they will come after you. It's called double-dipping a…nd it most likely wouldn't end well. ( Full Answer )
What happens in a car accident if both cars involved do not have insurance and the car at fault was drunk driving?
If neither vehicle was insured you will have to sue the other party in order to collect any damages. Drunk driving is a contributing factor but really whichever party is at fault for any reason will be liable to the other party. The bad news is that if the person did not have insurance the probably …don't have assets to pay the damages. This is why you need insurance and uninsured motorists coverage. ( Full Answer )
Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
The real answer is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what's being insured is the car ,not the driver . If you give permission to someone to driveyour car and they get in an accident and it's their fault, usuallyyour …insurance company is going to be primarily liable for thedamages. Your insurance company will probably pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn't explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you're probablygoing to be asked to throw them under the bus and testify that they stole your car. One complicating factor is that while what's insured is the car,the rates are set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers' records (highercollision rates). If there's a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company "Oh, no, he's not going to drive this car, he's going to drive a different car insured by some otherinsurer, so you don't have to worry about his driving record." If you live in a state that allows you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be allowed to say "Hey, you said CrashBandicoot here was not going to be driving yourcar, and lo and behold, he did drive your car, liar liarpants on fire, you pay for this, buddy." They maynot be allowed to wriggle off the hook entirely, but they probablywill at least be allowed to use drastically reduced coverageamounts, leaving a large bill for you to deal with. Crash'sinsurance (if he has any) may, or may not, kick in. ( Full Answer )
It is not possible to give auto rates in a forum like this. There are far too many factors that insurance companies use to rate an auto policy.