If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage in Texas?
InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas Auto Policy.
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If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage?
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.
If your underage child takes your car without permission and gets into an accident will your insurance cover it?
If you file a claim, I'd expect an increase in the premiums. It's not likely that the policy would be cancelled, unless this is a common occurrence.
If you own the car and have your 19-year-old on your insurance policy but list him as the primary driver and he gets in an accident could you be sued for damages insurance didn't cover?
Is he really the primary driver? Who's name is the policy under? Generally being the holder of a policy makes YOU the primary. Check with your company.
If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on …my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket. ( Full Answer )
If a friend borrows your car without permission and gets into an accident will his insurance cover it?
First of all a friend does not borrow your car without your permission- if they used it without your permission they really arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating… that the person did not have your permission to use the car. Otherwise your insurance will cover the loss and your rate may jump or you may get cancelled. Your call- depends on how much the claim is and how good the friend is ( Full Answer )
If an uninsured driver of an insured driver's car has an accident caused by weather and another driver is damage to the insured car covered?
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 pol…icy 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. ( Full Answer )
well i don't know are they? causing makes me thing you were the 'at fault' party, so if what you are asking is, the insured driver (you) were negliegent/at fault for the accident, but simply because the injured party was not insured do you still owe for their damage? yes you do, makes no differen…ce if they were insured or not (now, they might have some trouble come up from this), if they were an innocent and you negligent then you (your company) owe for their damage......some states may have statues that bar an uninsured driver/owner from recovery, so might check (you need to turn in the claim your adjuster will know) but I've never worked a claim in a state that had this (handled claims in around 15-20 different states i'd guess). ( Full Answer )
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?
Answer . As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right?
If your car was taken without your permission by a friend who then was in an accident you did not have insurance at the time will her full coverage insurance cover the cost of your car's repairs?
Answer . Generally yes, her insurer should cover it, but ONLY in the instance that it was driven WITHOUT permission. You must make that clear, and your friend must admit to that as well. Her rates may be hiked.
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... ( Full Answer )
Answer . \nAs long as your insurance was valid at the time of the accident it should pay up to it's policy limits. It is possible that your insurance company will issue a non renewal at their earliest opportunity.
Answer . 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.
Can your uninsured auto insurance cover an accident you have on your motorcycle if that doesn't have uninsured insurance?
Answer . \nYes and no. Yes if it to cover medical expenses. You can pull on your med-pay and your uninsured motorist policy I believe. But don't expect them to cover damages to car. I would stick with med-pay as a better option though. Attorney! Attorney!! Attorney!!! That's what I have to say. …Insurance company want to save money! Yours and theirs. Their job is to pay out as litte as possible! Yes you pay attorney fees but you also get thousands more! ( Full Answer )
What do you do when the at-fault vehicle's insurance will not pay you for your totaled vehicle because the insurance company has already paid for other vehicles damaged in an accident?
Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all the vehicles involved. I would have to know a little bit more about what happened, but you're only realistic action at this point is taking their policyholder to small cla…ims court. However, if you have your own coverage, use it and let your insurance company deal with it. ( Full Answer )
If an unlicensed driver is in an accident with an insured car will the insurance company still cover the damage?
Answer . Most likely yes.. but your rates are going up, and the driver will be cited.
If you have all of his insurance information and a police report and the stars are in alignment, yes. The insurance company is SUPPOSED to pay, even if the driver was doing something incredibly stupid, like driving while impaired. If the drunk is insured AND has some property of his own, the chances… are pretty good that you'll be treated right. Call his insurance company and be cordial, asking how to get his car repaired/replaced and what kind of rental car he'll get while his is in the shop. If you get ANY resistance, hesitation or even reluctance to offer a rental car, suggest that your attorney will have to take care of this. Don't let them walk over you. You have the right to get your vehicle repaired and not be inconvenienced while it's being repaired. Don't be abusive or threatening, but don't put up with nonsense either. They're obligated, and you did nothing wrong. Some insurance companies will try to turn it all around and make YOU feel like you're doing something wrong. Tell them that you'l let your attorney deal with it. Then, instead of paying an attorney, go to the state insurance board. I disagree with the above statement. Most auto insurance policies will have an exclusion for something called "intentional acts" which includes if the at fault driver was drunk. If your car was insured for collision and comprehensive coverage, your own insurance would cover the claim anyway and behind the scenes may try to collect against the at fault driver through what's known as a subrogation claim. So if you were insured with collision/comp coverage, then it doesn't matter what kind of coverage the other driver had and whether they were drunk and had their coverage denied. ( Full Answer )
Is your insurance provider notified and will your insurance cover the damages when an unlicensed driver takes your vehicle without permission and is involved in an accident?
\n. \n Answer \n. \nThe answer should be yes to both parts of the question.\n. \n Answer \nYou should notify them.
Should anything be done by an uninsured driver who was rear-ended by an insured driver when only the insured driver had damage in Texas?
Proably not, except of course you need to get insurance, luckily this one wasn't your fault
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the owner of that car and is not on that car's insurance policy?
Answer . Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers "you" from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle.. Concerning the party that is not the owner nor on the car owners… policy, the car owner's auto policy covers the car and any lawful driver aslong as their were no "misrepresentation" on the insurance application/contract. By misrepresentation I mean, at the moment the car owner signed the application and contract he was to state any material facts that could change the underwriting decision such as premiums. For example, if the car owner has a son who will also drive the car, the car owner is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a "undisclosed driver" was operating the veichle the insurance has 2 options. 1. He can Void the policy/contract and not cover the auto owner. or 2. He can cover the auto owner and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car.. Note" In rare cases, an insurance company will cover the "undisclosed driver" aslong as the difference in the premium is paid. ( Full Answer )
Answer . 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. ( Full Answer )
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
An insured driver is unknowingly driving an uninsured car and has an accident. The owner of the uninsured car is injured. Who pays for the damages and injuries?
Answer . 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
An insured driver is unknowingly driving an uninsured car and has an accident The owner of the uninsured car is injured Who pays for the uninsured owners injuries?
Answer . this is tricky, dependant on the state laws...you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accident that is your fault ...the owner of the vehicle is a passenger in the car and is injured...your policy should step in and cover… this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn't matter you didn't know it was uninsured) and if your neglience resulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy.....sorry..... ( Full Answer )
Can a uninsured driver borrow someone's car which is insured and be covered on that policy if you also get the owners permission?
This can depend on how the owners policy is written and the statelaws. Some policies will not cover anyone that is borrowing a careven with permission.
It is important to understand the insurance policy that ispurchased on a drivers car. The only way that an uninsured driveris covered in an insured car is id the owner of the car has that intheir policy.
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -yo…ur uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company. ( Full Answer )
When a car is uninsured and it involved in an accident, the ownerof the car is responsible for its damages and that of the otherinvolved cars. This rule applies even if the driver has his owninsurance cover on a different car.
If an uninsured driver has an accident with an insured driver and it was his fault and he also served a prison sentence for the accident do they have to pay the damage costs back?
There are two forms of law - Civil and Criminal. Criminal offences occur when you break the laws of a society. Civil offences are disputes that arise between two parties; either individuals or corporations.. A person is convicted and serves a term in prison for conviction of a criminal offence - i.…e. driving without insurance, manslaughter etc.. Damage costs due to an accident are civil offences and usually require restitution in terms of money. So you can effectively be held responsible in both civil terms and criminal terms. Yes, you do have to pay damages. You may also be liable for court costs. ( Full Answer )
You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?
Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my …car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy. ( Full Answer )
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
I can give permission for my 5 year old to drive my car, doesn't make it legal or in any way sensible.. I don't care who they are, there's a good reason they don't have a license or insurance. Don't let them near your driver's seat!
If a taxi driver hits your car is it the drivers insurance or the owners insurance that covers the accident?
If a taxi driver hits you, and its his fault, the cab company's insurance pays.
What happens if you have no insurance on a rental car and a signed driver gets into an accident who is responsible for the other cars damages?
It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.
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.
If a driver has no insurance but drives a car covered by no fault gets into an accident will the owner of the car be able to file a claim with his insurance company?
No fault laws refer to injuries only not property damage. If you have comprehensive and collision coverage on your vehicle the damage to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver's injuries if he does not own a vehicle then t…he personal injury protection on your policy will cover his injuries, once again subject to any exclusions. ( Full Answer )
If you are the driver of a friends car involved in an accident are you covered under your insurance or the owners insurance?
depends on the company and the details of the accident. most commonly the owner of the vehicles' insurance will pay the claim and then subrogate (recover money paid out) against the drivers insurance company. for example, let's say you have state farm and i have allstate. you are borrowing my car… and get into an at fault accident that cause $10,000 in damages. allstate will go ahead and pay the $10,000 to the other party. once that is done allstate will basically send a bill to state farm for the $10,000 they paid out. ( Full Answer )
If you have insurance and let your daughter drive your car and gets into an accident will your insurance cover for the damages?
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
Will insurance cover an accident if owner thought the driver had a license when let him use vehicle?
Permissive use by unlicensed driver . Yes, So long as the driver was not excluded by name from your policy, your insurance will pay for the claims. The unlicensed driver is not covered under your policy. Your negligence in allowing an unlicensed driver is covered under your policy. So basically, Yo…ur Insurer will be paying what is considered a negligence claim against you as the policy holder. . Other Answers . No the insurance will not cover for the accident since the person driving the vehicle did not have a driving license and the owner has given the keys to the person - permission to drive. The owner must verify that the person to whom he is giving his/her vehicle has a valid driving license. ( Full Answer )
If an Uninsured driver with permission from an insured owner gets into an acciden will insurance cover the vehicle damadge?
It depends on the company and their policy languauge. Generally higher quality, well known companies for good drivers will cover this. It is known as permissive user coverage. Many low cost lessor known companies, particularly for bad drivers, have what is called "named operator coverage" and will o…nly cover the driver(s) listed on the policy. To find out for certain you should read your policy form and check with your agent or the company's customer service department. ( Full Answer )
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.
If you are drunk and are uninsured but is driving a car that is insured and get into an accident are you covered?
You will NEVER be covered when you are drunk, you will be fined and put in jail! the reason for this is that too many idiots get behind the wheel of a car when they are drunk , many they have no respect for human life and do not even bother to think that they could kill someone!!
No direct answer, as this all depends of the level of cover of the insured driver.
If an uninsured person borrows your car and gets in an accident deemed by the other insurance co to be her fault when your insurance has lapsed who is liable the driver or the car owner?
I am sure that there are examples to the contrary, but the car owner is the one responsible for the insurance. It's your car. It's your responsibility to make sure it is insured......it would also be your responsibility to make sure whom ever you loaned it to were licensed and legal.
Yes, as long as the car is parked on private property. Cars stored on private property and not "in service" are the same as any other property, If the insured runs into your parked car our your house the insurance will pay. That's not quite correct. If the damage was intentional, meaning that the …driver of the insured car deliberately struck the uninsured parked car, then the at fault driver's insurance will NOT pay because of a clause in the policy that excludes coverage for 'intentional acts' like criminal activity (which is what this is). So the parked car's owner would have to pursue a civil case against the at fault driver and try to collect against their personal assets. ( Full Answer )
Always make sure you call the police in case of an accident and take lots of pictures and take down the other drivers information. There is an exclusion in most auto insurance policies for something called 'intentional acts' and if you hit a car on purpose then you have committed an 'intentional a…ct' and are subject to having the claim denied. If the claim is denied like it should be then the owner of the uninsured car can still pursue a civil action against the at fault driver and win a judgment to pay for damages, it's just that the at fault driver will have to pay out of their own assets rather than from the insurance policy. ( Full Answer )
It depends on your policy and the state that you live in. In most states the insurance follows the vehicle and not the driver. Therefore, the driver having coverage on another vehicle will most likely do you no good. The only coverage that may transfer is medical payments which may pay if the driver… had injuries but even that will not pay for anyone elses injuries. Medical payments will pay if you get hit by another car will walking across the street. Remember that state laws will determine some of these facts. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that. ( Full Answer )
Yes, If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.
Both the permissive use driver and the vehicle owner(s) are financially liable jointly and severally for all damages and injuries sustained in an "at fault" accident. Both can be sued. If you were driving and at fault. Then you are the person most directly responsible for causing the accident and… you are financially liable. If the owner gave you permission to drive the vehicle, although he's not at fault, he is also financially liable because it's his car and he's the one who allowed you to drive the car. If you are not a covered driver under the terms and definitions of the owners policy then the insurance company will not pay for the accident. We should never borrow or loan out a vehicle without first verifying the driver will be covered under the policy. ( Full Answer )
Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
The real answer is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what's being insured is the car ,not the driver . If you give permission to someone to driveyour car and they get in an accident and it's their fault, usuallyyour …insurance company is going to be primarily liable for thedamages. Your insurance company will probably pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn't explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you're probablygoing to be asked to throw them under the bus and testify that they stole your car. One complicating factor is that while what's insured is the car,the rates are set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers' records (highercollision rates). If there's a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company "Oh, no, he's not going to drive this car, he's going to drive a different car insured by some otherinsurer, so you don't have to worry about his driving record." If you live in a state that allows you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be allowed to say "Hey, you said CrashBandicoot here was not going to be driving yourcar, and lo and behold, he did drive your car, liar liarpants on fire, you pay for this, buddy." They maynot be allowed to wriggle off the hook entirely, but they probablywill at least be allowed to use drastically reduced coverageamounts, leaving a large bill for you to deal with. Crash'sinsurance (if he has any) may, or may not, kick in. ( Full Answer )