It is important to understand the insurance policy that is purchased on a drivers car. The only way that an uninsured driver is covered in an insured car is id the owner of the car has that in their policy.
Comprehensive coverage does not apply to the driving of a car. It should be covered.
In most cases if you are fully insured then your insurance will pay for the uninsured driver's car. However if it is only a third party insurance then most likely you have no cover if it is your fault. However it depends on the insurance company and the policy that you signed.
Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let drive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that anyone who drives the car is insured. This is simply not true. Your will have to see your policy definitions for a covered driver or contact your insurance agent for clarification of when a driver is considered covered under your the terms of your auto insurance policy.
There is no opposite except a lack of insurance.The opposite adjective of insured is uninsured.
No direct answer, as this all depends of the level of cover of the insured driver.
The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.
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.
Is driving without insurance
Only if the insured car was at fault.
Only if the truck driver was at fault.
No. The car is insured and your son's policy will provide coverage up to its policy limits.
The insurance status of the victim's vehicle is irrelevant. The at-fault insurance company will pay for your damages whether your car is insured or not.
Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.
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.
This would require more information to answer.
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
No according to the law (which may be different from state to state) The uninsured motorist is always at fault
If you are "Uninsured", then you are "uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers of a motor vehicle on public roads are required to carry proof of financial responsibility at all times.
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.
Well you see, it is for this very purpose that car insurance is required by law; it is unfair on the rest of the insured drivers if some drivers are not covered. so, basically, you wouldn't be paid out for damages unless your insurance company or broker covers you for being hit by uninsured drivers.
NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he was covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle. The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay.
Co-InsuredThe "Co-Insured" is another person or entity that is also covered under your insurance policy.
60% of the people insured are insured by their employer, 14% BY Medicaid, 13% By Medicaid/SCHIP, 9% Directly Purchased their Health Insurance, 4% Get Health Insurance Through The Military, and to answer your question 16% or 45.8 million Americans are uninsured.
No, you should be covered by his insurance. His insurance works out of state, that means it works with you as well. Fight the ticket, you will win.