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If fault for property damage is admitted to by an uninsured unlicensed driver is there any remedy other than suing in civil court?
Wiki User
∙ 8y ago
You can allow your insurance carrier to handle the damages to your vehicle -- assuming you have collision coverage -- and your carrier will initiate subrogation against the at-fault party. "Subrogation" just means they'll go over the other driver for any money they paid out under your policy, and they usually include your deductible.
Of course, you can settle out-of-pocket with the at-fault driver. This is difficult to do, because once your car's in a shop for repairs, they may find supplement damages and costs (not to mention the cost for your rental while repairs are underway). This is also difficult because the chances of an uninsured driver being able to come up with that much cash are pretty slim.
So, court may be the answer. Most courts will set up a payment schedule with the at-fault driver, which means you might get $100 to $200 a month until the loss is paid off.
Wiki User
∙ 8y ago
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Does uninsured auto insurance cover property damage?
If you are uninsured then of course not.
Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?
My insurance canceled uninsured person hits someone in rear what happens to me
What happens if an uninsured unlicensed driver is driving your uninsured car and has an accident?
Bad things, will mostly likely get a few citation from police. If he is found to be at fault he could be liable for the damage.
What is UMPD coverage?
Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.
Is uninsured motorist property damage necessary if I have comprehensive and collision coverage?
Uninsured motorist property damage coverage is usually not required and sometimes is not offered at all in a particular state. If it is offered in your state you should consider purchasing it. One accident with an uninsured driver can leave you with significant bills to cover your property damage.
What is Uninsured motorist protection?
Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.
Can a uninsured and unlicensed driver sue you for an accident?
Yes. It is the responsibility of the at-fault party to pay for the damage caused in an accident, regardless of the license or insurance status of the not at-fault party.
Will liability insurance pay off your vehicle if it is totaled?
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
Can you sue an unlicensed driver if there are no injuries and it is the other driver's fault?
Yes, You can still sue for the property damage even if there were no injuries.
Should an uninsured driver that was hit by an insured driver call a lawyer?
If you incurred losses by injury or your property was damage, I would.
What is covered as full coverage?
Full coverage would be Bodily injury/Property damage/ Uninsured motorist/ Comp/and Collison, plus I would add Underinsured motorist. Liabilty is for bodily injury and property damage.
Will your insurance company pay for an at fault driver with no insurance if you have underinsured insurance?
Yes! Good thing you bought this extra coverage. Its actually uninsured motorists and underinsured motorists. It also depends on how much you bought. I hope you also have uninsured motorists property damage, because you have to buy bodily injury and property damage separately.
