If an unlicensed driver is in an accident with an insured car will the insurance company still cover the damage?
Most likely yes.. but your rates are going up, and the driver will be cited.
If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate your vehicle. Your next Auto Insurance Policy premium will take into account your claims history and charge accordingly. Read More
Generally, the owner of the insured car is held liable for any damages or losses involved after an accident. So if you want to file a claim for compensation after a crash, it is better to file it with the owner of the insured car or his insurance company. The adult unlicensed driver however, can be held liable criminally if there was death or injury involved. Read More
You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy. Read More
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… Read More
Report the accident to your insurance company. If this was a single car accident - meaning yours- your insurance will have to pay for the repairs minus your deductible. If another party caused the accident you need to turn their insurance information over to your company and they will take it from there. Read More
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it. Read More
What if your fully insured car was wrecked by an unlicensed driver Will your insurance cover your loss?
yes it will Read More
You can't unless they tell you who they are insured with. Who a person is insured with or even if they have insurance is a private matter between the insured and the insurance company. Now, if there is an accident and the police come to the scene they will collect that information and put it in the accident report. This is why it is crucial to always call the police to the scene of the… Read More
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. Read More
What insurance covers medical bills in an accident where someone not on the cars insurance was driving and wrecked?
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance. Read More
Turn your information into your insurance company anyway. You should be insured for that anyhow. Let them handle that. Read More
A company that is fully insured goes to an insurance company and buys insurance. A company that is self insured does not buy insurance and plans to pay any claims out of the companies "pockets". For instance, if you own a home but choose not to buy home insurance, you are self insured if you should have a fire. Read More
If they stole it, probably. If you were stupid enough to allow an unlicensed driver to drive your car, it's probably NOT covered under your comprehensive; it may or may not have liability. You should contact your insurance agent for a definitive answer. Answer You said an "uninsured driver". So,, If this unlicensed driver is not considered an insured driver under the terms of your Auto Insurance Policy then no, there will no coverage. Additionally… Read More
Sure. Remember that an insurance policy is a legal contract wherein the insurance company agrees to accept risk from the policy holder according to the terms of the contract. If the policy holder does not live up to the terms of the contract then the insurance company may deny coverage. For example, if the person lied to the insurance company on the application then the insurance company may deny coverage. One of the terms of… Read More
Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?
If the car that was involved, in an acident was insured yea! Read More
Generally No. If you have already sued the Home Insurance Company, then you have already sued by default the Homeowner. You can not have sued one without already having sued the other. If a property owner is liable to you for an accidental injury, The home owner may have insurance to cover those liabilities. The insurance company would not be the cause of an accident. If you sue an insured homeowner, their insurance company is… Read More
They will have a pink card stating the insurance company on it still, as long as the accident happened in the one day they were insured. Read More
this all depends on what the suit is.........I'll assume that you are sueing for damages to your vehicle and an injury from the accident.....you SUE the person responsible, if you gain a judgment and there is insurance coverage the insurance company will be bound by the judgment to pay........(they will also be providing their insured with an attorney......) they cannot mention in the trail that there is insurance involved.... Read More
It all depends on the policy. If the unlicensed driver is a named insured and the policy is active then they will be covered. If the unlicensed driver is excluded from coverage then naturally there is no coverage for them. If the unlicensed driver is not a named insured and also not excluded, Then technically they still are not a covered driver, although, coverege may still apply under the owners auto policy depending on the… Read More
the Atlantic mutual insurance company from New York insured the titanic. Company paid $100000 in hull coverage. Read More
You can be sued but your real concern is most likely how far your insurance company will support this. The insurance company has a limited liability and will fight to protect that, which in turn will help to protect you up to the limit of your insurance. Read More
If you are involved in a minor collision and the police respond do they report the accident to the appropriate insurance companies?
No, the police never notify insurance companies of accidents or tickets. It is the responsibility of the insured party to notify their insurance company. Read More
Can you go after the auto insurance co of your employer if your involved in an auto accident in your work vehicle and it was your fault?
Yes. If it's a company car and is insured through your employer, the employer's insurance company would pay out the claim. The accident would still show up on your record though. Read More
You can't sue the Insurance co, but you can sue their insured, the defendant. Since the insured has a valid policy, the Insurance co is obligated to represent him. Read More
If your insured with one company and you drive another vehicle that's insured by another company and you get into an accident wich insurance company pays for it?
The Owners Vehicle Policy offers primary first pay coverage. Any policy carried by the driver would invoke as secondary coverage. Read More
Unlicensed drivers cannot operate a vehicle on private property. The insurance for the vehicle will not allow unlicensed drivers. Most states require every vehicle in operation to be insured. Read More
Technically, the insurance company should cover the costs of the other vehicle. If the unlicensed driver took the vehicle without permission, the owner may even be able to collect on the collision insurance to cover part of their expenses, but if he/she does that he/she will probably have to show a police report that the unlicensed driver took the vehicle without permission and that it was technically, automobile theft. On the other hand, the insurance… Read More
A black white question. If your daughter who lives with you is licensed and uses your insured car and gets into an accident will she be insured?
In some states yes and in others no. Without knowing your state I can not say but call your insurance company. Read More
Can you have one car insured by one company and another car insured by some other insurance company?
Yes. Read More
You can file a claim with the at fault drivers Insurance Company yourself. You don't have to wait for the insured to do it. Just call them up report the accident and request a claim number. They are required by law to assign an adjuster whether or not their insured has reported it to them. Read More
all do. however, if you get to many accidents they can drop you. If you are looking to be insured, ask the insurer, they will tell what they will allow and what they don't. Read More
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. Read More
As long as you're properly insured, there shouldn't be a problem. Call your insurance company and they'll sort it all out for you. If the car's not insured to be driven by a learner, then you're not insured. If you're not insured, then you're breaking the law by driving, may face a fine or points on your licence (when you eventually get it), possibly a ban, and the insurance company of the person you crashed… Read More
Very basically, insurance is a contract (called an insurance policy) between one party (the insurance company) and another (the insured). In the case of life insurance, it is a life that is being insured. In return for the periodic payment of money (called a premium) to the insurance company, the insurance company agrees to pay a sum of money when the insured (whose life is insured) dies. The money is generally paid to the person… Read More
8 Which is the document in Insurance which can be called the Documentary Evidence of Contract between the Insurance Company and the Insured?
That should be your declarations page. It is a binding contract between the insured (you) and the company. Read More
Call the insurance company that the owner uses and ask them if it was insured. If you aren't sure what insurance company was used, DMV records should say whether the vehicle was insured or not. Read More
Will an insurance company defend an additional insured when the named insured is not named in the lawsuit?
YES Read More
It will depend on the driver's car insurance company. In case that driver gets into a car accident, it would be presumed his car insurance will step in to settle the damages. Read More
generally the person who owns the car at fault involved in the accident is financially responsible. hopefully you have insurance and your friend is not excluded from your policy for some reason. if your friend is not excluded then your insurance company should pay Read More
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle?
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds. Read More
Who is liable in washington state if an insured licensed driver hits an insured vehicle with an unlicensed driver?
The at fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy). Read More
Insurance companies have re-insurers to protect their assets. Read More
A non fault car accident claim indicates that the insured individual does not have to incur any loss. The additional advantage is that the policy holder gets reimbursed by the company that he or she has been a member of. Read More
Just call the insurance company that you paid for the insurance. They can let you know if your still covered. If you have not purchased insurance then obviously you are not insured. Read More
If you let your sister borrow your insured car and she is in an accident and charged for the accident does her insurance cover the accident or will yours?
The correct way to spell the word is accident. You were correct. Read More
What happens if you get into a motorcycle accident and you dont have insurance and its your fault in Florida?
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person. Read More
ANSWER: Sorry you can not. It's just like driving a car, if you have a friend in your car and you had an accident, the insurance company can not take care of that person because he or she is not insured in your policy.. Read More
As long as the insured keeps their premiums current, the insurance company is bound to pay as agreed. Read More
The best companies to get business travel accident insurance from are Nationwide and plenty of other companies like Ace Insured, Prudential and Travel insurance. Read More
Does insurance company have right to pursue vandals on behalf of insured to recuperate their cost of coverage to insured?
I'm almost positive that the answer is "yes", especially if the insurance company has already reimbursed you for your losses. Read More