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Answered 2008-03-17 14:15:21

Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.

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you can use cars that you borrow after your own car gets into an accident.


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The unlicensed driver is responsible for all damages. If they are a minor the parents may be forced to take responsibility. Sadly, the owner of the vehicle MUST make any insurance claims they are eligible to make. The owner can ask the unlicensed driver to pay any excess on the insurance and even take them to court if they refuse to pay it. The driver of the vehicle is responsible to pay any amounts not covered by the vehicles owners insurance, including damages to the car. If the insurance premium goes up or you loose your no claim bonus then I'm sorry but the driver is not liable for that. If the unlicensed driver drove the vehicle without permission from the vehicle owner then the vehicle owner must report that the car was stolen at the time of the accident, then provide the insurance company with the police report number (you can tell the police you don't want to press charges). Under these circumstances even if the insurance company pays out damages for the vehicle they may chase the unlicensed driver to pay them back.


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In most cases, the adjuster would talk to everyone involved to hear their "version" of what happened. They would talk to any independent witnesses (someone who saw the accident that neither party involved knows) and form a decision based on that information as well as the location of the accident and where damages are on the vehicles.


Only if the friend gets into an "at fault" accident.


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I am assuming you mean for an injury and there is coverage on both vehicles involved? If you have medical pay perhaps, state laws very. Check with your company. If you mean for the damage to the vehicles I see no way for there to be coverage as a passenger.


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insurance for commerical vehicles is higher because of the fact they will be driven more frequently by multiple drivers. The driving distance could vary from short to long. The probabality of being in an accident is greater, as well as lawsuits.


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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.


"You should always have insurance on your vehicles, regardless of what type. If you get in an accident and don't have insurance, you can be liable for any damages or injury to yourself or others. You should make sure you are protected."



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