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Answered 2008-03-15 06:51:56

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.

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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.


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.


If the car is insured and covers other drivers, the damage will be covered to the limits of the policy. If not, they're on their own.


The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.


If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.


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, he should be. Most insurance companies insure the CAR and ask how many and ages of the drivers in the household to determine a rate. If you didn't steal the car, and had permission of the owner you should be insured.


Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies.


You could drive the car with the owners permission only.


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.


Turn your information into your insurance company anyway. You should be insured for that anyhow. Let them handle that.



Until you obtain auto insurance and prove to the court that you are now insured.


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.


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 .


what damages? to the car? if the car is insured that insurer (assuming coverage is available) will handle that damage, if you mean you were injured driving an insured vehicle....it depends on a lot of things...more info regarding status of drivers, vehicle, fact of loss, etc.....and perhaps i can be of more assistance...


almost all states require liability insurance. the fact that the friend had 'non owner' does not mean that it was ok to drive an uninsured vehicle. the law requires the vehicles, not the drivers, to be insured.


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.


The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.


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.


The injury would most likely not be covered under your auto because you let an unlicensed driver drive your vehicle when they cannot legally drive.



If the driver with the suspended license caused the accident then he/she is responsible.



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