Auto Insurance

If an insured person allows an uninsured person drive her car and the uninsured driver has an at fault wreck who pays?


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2009-02-19 06:22:04
2009-02-19 06:22:04

The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver

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If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered owner is liable for the damages to the other pwesond's vehicle.

No, if the other person is driving the uninsured vehicle, then that person is still covered by their own policy. But, if you AND the vehicle are uninsured, then it doesn't matter who's in the passenger seat.

Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.

Some states are different, but in Michigan, the company who insured the car is responsible. They can then go after the uninsured driver Some states are different, but in Michigan the company who insured the car is responsible. They can then go after the driver .

Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes

How is the driver uninsured? If he had permission from the insured vehicle owner to drive? There are policy exclusion that apply but most generally that person is considered as an insured driver. I will assume (for the purpose of answering your question) by uninsured driver you mean they have no policy of their own. Are you asking if weather conditons contributed to the accident (say wet/slick road) and they slid into another vehicle is the insurance on the car responsible for the damage to the vehicle they slid into? Yes, probably. Insurance stays with the car. If you could provide more detailed information regarding the driver, and facts of loss, I could be of more assistance to you.

i was rear ended frm behind by another car, the car had insurance but the person driving was not listed as a driver, can i still get paid for mu car damages n body injuries

Only if the other driver was at fault. If the driver of the uninsured vehicle was at fault, the injured person would have to recover damages from them.

unless the person stole it then the owner is responsible. the uninsured person might be covered under the owners policy as extra driver though.

We need to know what he's insured for. If he's insured to drive the car, then yes. If he's insured with life insurance, then no. But normally it's the car that carries the insurance.

File a lawsuit against that person.

Only if you added this person to your policy, otherwise he/she is not covered. Usually, the insurance agent will ask if there is anyone living in your household that would be driving your vehicle. At that point you can add this person to your policy or sign a waiver stating he/she will not be using your vehicle.

They always say you never need insurance until you have not got it! Insurance covers your risks, each person develops their own view regarding what risks are acceptable and what risks need doing something about. It is up to you to decide if you need uninsured driver cover. But if you decide not to take it and get hit by an uninsured driver, the only person to moan at (apart form the criminal uninsured driver) is yourself!.

My insurance canceled uninsured person hits someone in rear what happens to me

Anyone can sue anyone. Insurance merely stands in the shoes of the Insured and makes payment on his or her behalf. If that person has no insurance, they would have to satisfy any judgment or award from personal funds.

UMBI means coverage for bodily injury to you and the occupants of your vehicle in the event you are injured by an uninsured driver, $20,000 per person and $40,000 maximum per occurance. If he is insured, his liability will cover this.

Depends on the state.. and if the state is a "no-fault" state. Typically, in a no fault state, the person at fault pays for damages incurred. In a no-fault state (such as Michigan), each person pays for their own damages.

Cars are not insured, drivers are insured for their liability while driving a specific automobile. This person could have had all the insurance in the world, for driving his car, but it would not matter at all while he was driving another car. In any event, insured or uninsured, he is legally responsible for the ticket. If it's a parking ticket then you must make certain it's paid even if you have to pay it yourself. Otherwise the amount due will keep increasing and will affect you, your driver's license and your car registration. Tickets issued during a traffic stop are issued to the person whose license is presented to the ticketing police/trooper/patrolman/deputy. Tickets that are issued to a car- such as parking tickets and tickets from right light and speed trap cameras are the responsibility of the person who owns the car. Note that if a an uninsured driver borrows your car and gets a ticket, they may get in trouble if they cannot show that they had permission to borrow the car since their name will not appear on the registration or insurance card in the vehicle. If an uninsured driver gets a ticket for causing an accident while driving your insured car, your insurance company will probably be asked to pay for the damage to the other vehicle - and your insurance rates may go up.

There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.

== == In the event that you got into a car accident and it was not your fault but the other driver's, if he is insured, his insurance company is liable to pay for the damages of your vehicle. On the other hand, if the other driver is not insured, your own insurance company, provided you have a policy regarding uninsured or underinsured drivers, will be responsible for the damages your vehicle has incurred. They however, may have a right of action against the person responsible for the accident. The person who caused the damage to your vehicle is ultimately responsible for the damage to your vehicle regardless of whether there is an applicable insurance coverage or not. Whether you actually have the repairs done is none of their business.

Some companies will not insure a person or vehicle that have went uninsured for any length of time, others will. You will need to contact an agent for the answer.

Since they are not physically "operating" the vehicle, no, they don't.

No, All drivers must meet the definition of a covered driver under the terms of your auto insurance contract

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