So it depends on what state you live in. Here in CA we have a law which denies anyone who does not have insurance any bodily injury claim. Your car will be fixed to its prior state before the accident and nothing more. This information that I know of only pertains to the state of CA.
Yes.
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
check your state law,but if you dont have ins.you maybe found at fault. if you don't have insurance, its your fault ither way
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
No it is not a no fault state. Ohio is a tort state meaning that someone must be found to be at fault in each accident.
Yes, The at fault party is responsible.
Let your insurance company know everything that you know about the accident and about what the other person's insurance company has proposed, and then let your insurance company handle the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement offer of a 50/50 split. Let your insurance company know everything that you know about the accident and about what the other person's insurance company has proposed, and then let your insurance company handle the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement offer of a 50/50 split.
the person that is found responsible ( at fault ) for the accident
Whether you are insured or not, the most important thing in your accident is who is determined to be at fault. If you are at fault you (or your insurance company) will be required to pay for any property damages or medical expenses incurred in an accident. The same would be true for the other person if they were found to be at fault. That is the "civil law" side of things. If you have no insurance and you are driving, you are breaking some pretty serious criminal laws, so legally you could be in a lot of trouble.
The police give citations to those who they believe to be at fault. That person is not 'found' to be at fault other than in a court of law.
Answer 1: If you are driving with a passenger that does not have auto insurance or medical insurance, they can be covered under either your policy or the third party's policy depending upon the situation. If you are found at fault for the accident, Medical Payments or Personal Injury Protection will pay the a portion of the medical expenses that you and your passengers incur up to the stated limits. If you carry Uninsured Motorist and are hit by someone with no insurance, this coverage will pay for injuries to you and your passengers as well. If you are not at-fault for the accident causing injuries and the other party has insurance, the third party liability insurance coverage will pay for injuries to you and your passengers based on the per person and per accident limits stated on the policy.Answer 2: If the passengers are travelling in your auto and, if you are at fault in an accident, your insurance will cover them. If the other driver is found at fault, his/her liability insurance will cover your passengers.
Auto liability insurance is specifically designed to cover any damage caused to other vehicles if you have an accident. It does not cover reapirs to your own vehicle. It is by law the minimum requirement for insurance in every state.