Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.
No. If you choose to use un-insured contractors then you are proceeding at your own risk.
If you are uninsured then of course not.
your insurance contract will say something like, ''promptly report all losses'' you should report it to your company..........it doesn't matter that other vehicle is uninsured.......if you are liable you are liable, and owe for his damage, whether or not he is insured......
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
the uninsured automobile owner rhas to pay out of pocket for the damage
If the accident was your fault and someone else was involved their uninsured motorist insurance will pay for their damage. The bad news is that they WILL sue for the amount they had to pay out.
The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.
There are many questions to be asked with this question. Are you saying an uninsured driver, driving a vehicle with no insurance? First of all you hope that the insured drivers insurance company accepts liability for the damage. If they don't then your only hope is to get a lawyer and take them to court. If you can't afford a lawyer then small claims court may be an option. For a bit of advise, don't drive uninsured.
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
Proably not, except of course you need to get insurance, luckily this one wasn't your fault
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
That is not necessarily true. That is, if an uninsured vehicle runs into your house and causes damage to the house, your own homeowner's policy will generally pay for the repairs to the house. Naturally, payment will be subject to the terms, conditions and limitations of the policy. Further, the amount recoverable will be limited to the total amount payable under the homeowner's policy. If, instead, what you are asking is whether homeowner's insurance will cover damage to a vehicle, the answer is no. They are 2 different types of insurance covering 2 different kinds of risks. Premiums (the amount paid by the person insured) are determined by the nature of the risk(s) insured, the persons or entities insured, and the activities insured. Those factors differ between auto insurance and homeowner's insurance, so a total premium cannot be melded.
My insurance canceled uninsured person hits someone in rear what happens to me
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.
Insurance collision is a form of automobile insurance that covers physical damage. In most situations the insurer pays for the insured injuries, damage to the vehicle of the insured, and if the insured is at fault it pays for the damage to the other vehicle, and the other driver.
An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.
If you are at fault, you are responsible for the damage and your insurance company would pay. If the person was injured, some states pay only the medical costs, not pain and suffering.
You can check with your own insurance and it will most likely cover your medical costs but I doubt they will pay for the damage to the vehicle. If you wish to get payment from the uninsured auto owner you will have to sue them in civil court. Good luck
If you incurred losses by injury or your property was damage, I would.
InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas Auto Policy.
When you buy a car, you have 30 days to get it insured before it becomes illegal, but you are completely financially responsible for any damage done until you are insured.
Usually the amount of damage is estimated based on insurance claims. Uninsured property is then estimated based on the total value of the insurance claims.
Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property damage coverage on your policy. They only way you can recover is to take the person to court and get a judgement.
Who owns the uninsured car? It will depend on your state, but if you were driving a car you own but did not insure you may have to pay for the repairs yourself - and in some states, if you have no insurance on the car you're driving, you may get to repair the other guy's car too even if it was his fault. If it was his fault, some states will require him or his insurance if he has it, to fix your car.