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IN CA When you do not have any insurance and the person who took your car without permission has no insurance and causes an accident can the other parties insurance co sue the owner of the vehicle?

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2007-07-05 16:31:43
2007-07-05 16:31:43

California is a mandatory insurance state. Under California tort law you would be able to be sued for not having insurance as mandated by law.

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If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your....and vise virsa.


Auto liability insurance covers physical damage to the other vehicle if you are at fault. It also covers injuries for parties in the other vehicle when the accident was your fault. It does not provide any coverage for your vehicle, you, or passengers.


First of all, if the driver was driving your vehicle with your permission, your auto insurance will cover the accident expenses. Automobile insurance is issued to cover the vehicle. If the vehicle was stolen, that's quite a different matter - your local law enforcement agency will have better information.


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


It depends on who owns the car. If both parties own it then you need the permission of both. If the car is the sole property of the husband then yes, you can drive it with only his permission.




No, the vehicle's owner's insurance is liable. The insurance is on the specific vehicle, not on the driver. It does not seem fair, but that is the way it is. Nathan C


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).



Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.


secondary to the policy insuring the vehicle you drove with permission....barring any exclusions on your parents policy ....


If you drive a motor vehicle without insurance and you are involved in a major accident where you are at fault, you could be sued for several million dollars if other parties in the accident are badly injured or killed. It's just not worth the risk.


In Louisiana, state law requires all drivers to have insurance. To drive, a person must have insurance in case they are in an accident, so the parties involved can be taken care of.


Your insurance will pay for the other persons car, and their insurance (if they have it) will pay for yours, if not, you can sue them. This is assuming that both parties are legally at fault.


You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.


No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.


The registration of the vehicle has really nothing to do with the insurance. If you have valid insurance at the time of the accident, then you will have coverage for the type of coverages on your policy. If you only had liability, then the other parties vehicle will be covered as well as injuries of the other party. Your car will not be fixed under liability, you have to have physical damage coverage for your vehicle to be repaired.


Get out of vehicle safely, check for possible injuries to all parties, and ask the other driver to exchange drivers license and insurance information. Notify Insurance within 5 days.


What do you mean hold them liable. If you gave them permission to drive your vehicle and you had excluded them on your policy, the insurance company will not pay any part of the claim. More than likely you, as owner of the vehicle will be the primary target. If the accident involves another car you will be primarily responsible for their damages and injuries as well as the damage to your vehicle. You can try to implicate the driver but it is your vehicle, your insurance and exclusion that you signed, and you gave this person permission to drive your vehicle, knowing what you do about them.


A commercial vehicle insurance is necessary to insure the parties involve in any auto accidents


Then the people will be charged with insurance fraud.


Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care of the damages.


No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is at fault or if the other driver is known, is at fault and does not have insurance.


It depends on the policy provider but my Allstate Insurance covers licensed drivers who drive my vehicle with my permission. Mine also covers me when I drive an uninsured car.



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