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If a vehicle is totaled and it was not the owners fault because they were hit in the rear and the owner does not have insurance does the ins co for the other driver pay the full blue book value?
Wiki User
∙ 16y ago
The law may be different where you are, but where I am (Alberta Canada) getting the insurance company to pay up is kind of a game. Obviously they want to pay you as little as possible, however, at the same time they are obligated to pay you fair value for your vehicle. That may not be blue book price.
You have to be prepared to negotiate with them. That doesn't mean that you have to accept less than what you think your vehicle was worth, it means that you have to give them reasons to pay you what you want. Research prices cars similar to yours. Keep track of prices (and web addresses) of those cars that are priced higher than what the insurance company wants to pay.
You should also familiarize yourself with your area's requirements for insurance companies. If they don't settle in a specific time period they may be subject to fines. There may be an appeals process that you can go through if the offer is too low, and that process may be very expensive for the company!
Don't accept their first offer whatever you do.
Wiki User
∙ 16y ago
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You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?
Its your fault
Why can't I get a rental car from the driver who totaled my car?
Presumably because the other driver's insurance doesn't cover that expense. Check into your own insurance policy to see if maybe your own insurance does.
What should you do if your insurance wouldn't pay your claim on your totaled vehicle because the driver was not insured on the policy at the time?
Most of the time an undisclosed operator does not result in the denial of a claim. If the driver of the car was an excluded operator then that is a different story. If you feel that the action of the insurance company is wrong then you should contact your state's insurance department to file an appeal or complaint.
If your vehicle was damaged but not totaled can you request that the insurance company replace it with a new vehicle if the accident was not your fault?
Fault in the accident is not a consideration. Normally the insurance company or the at fault driver is responsible only for repairing your vehicle and providing you with a rental car. While this may not be entirely fair, it is the system and you agreed to it when you chose to drive. Some states do have a provision that a vehicle must be totaled if the damage exceeds a certain percentage of the total value of the auto. YOur best resource is your insurance agent. lwpat
What can you do if you are hit by another driver and got their license number and the police charged them but their insurance will not pay because the owner says a friend was driving the vehicle?
It shouldn't matter who was driving. The insurance company is responsible for the VEHICLE not the driver.
Can the driver of the vehicle get insurance if they are not the owner?
Yes.
If you have liability insurance on one vehicle are you insured if you drive another vehicle?
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.
Can the owner of a vehicle get insurance if they are not going to be the driver?
Yes, I recently bought me insurance and they asked if I was going to be the driver or not.
What does principal driver on automobile insurance policy mean?
The principal driver is the person who drives the vehicle over 50% of the time. This is the main driver of the vehicle and the person who will be rated as the driver for computing the cost of the insurance.
If your auto is hit by a stolen vehicle who will pay for losses like deductibles and other expenses?
You or your insurance company. The owner of the stolen vehicle would not be responsible because their vehicle was stolen and the driver of the stolen vehicle's insurance would not cover it because he was driving a vehicle that was not on his policy and he did not have permission to drive.
Can an unlicensed driver get insurance on a vehicle registered to them?
Why not. That unlicensed vehicle owner could be disabled and hired a licensed driver to drive the vehicle.
If you let someone ride your motorcycle and he crashed it do you file a claim with his insurance or your own for the repairs?
insurance follows the vehicle, not the driver. If you loan your vehicle to someone, you assume the risk of them having an accident. Only if there is no insurance on the vehicle would the driver's insurance become effective for the loss of a vehicle not owned by him.
