It is if you are listed on the policy as a driver.
The best thing to do would be to consult an attorney and file a countersuit against the unlicensed driver. You should also contact your insurance company, as you may have given them power of attorney for you in terms of automobile accidents when you signed your insurance contract, in which case your insurance company must sue for you.
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.AnswerYou 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 if you allowed an unlicensed driver to drive your vehicle and an accident ensued, Your Insurance company may cancel your policy due to negligence on your part if they get wind of the matter.As stated above by the previous contributor, You should contact your insurance agent for assistance in determining who is considered insured under the terms of your policy. If you purchased Direct without an insurance agent, then you have no advocate, your just left up to the mercy of whomever answers the 800 number.
The concept of a "primary policy" can best be understood when there exist two or more insurance policies that arguably provide coverage for the same occurrence. The "primary insurance" is the policy that is first responsible for the payment of claims. A good example might be when a state requires that the owner of a motor vehicle to maintain what of often called "personal injury protection coverage" (a/k/a "no fault coverage"). That type of insurance pays a percentage of the injured insured's medical expenses and/or lost wages regardless of fault for the collision. If the injured insured also has major medical or hospitalization insurance, a primary/secondary insurance scenario develops. State statutory law or interpretative case law will dictate which is primary and which is secondary, but typically, the coverage specific to the occurrence (e.g. the auto-related insurance) will be primary until benefits are exhausted. Primary/secondary insurance situations may also develop when insurance is required to be maintained by the terms of a contract between two or more parties. Often, the contract specifies which (or whose) insurance will be primary.
It may and it may not. It depends on the definitions of an "insured" driver under the terms of your insurance policy and the type of insurance policy you bought. Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost "Named Driver" policies extend coverage to no one other than those named on the policy. Contact your insurance agent if you need assistance with your policy language.
Auto insurance follows the named insured's legal liabilities. If you are liable for the accident and the driver fits the definition of a covered driver under the terms of your auto policy, then your insurance will pay for the damages. If you gave your friend permission to drive then both you and the driver are legally liable for an at fault accident.In the United States the auto insurance on the vehicle being driven is considered primary coverage. Any trailing coverage the driver has on another auto insurance or drivers policy is considered secondary coverage that can invoke when and if the damages exceed the policy limits on the driven vehicle. Should it be determined that the vehicle being driven affords no coverage to the driver then the drivers own policy can step up to first place coverage for his or her liabilities in an accident. It may not however cover the vehicle owners liabilities.
All drivers are required by law to carry proof of Financial Responsibility. So if you are an insured driver under the terms of the Auto Insurance Contract then you are covered to drive it. If you are not an insured under the terms of that policy then you are not covered. Remember, Vehicles do not drive themselves and vehicles do not carry insurance, People do. Auto Insurance Is to cover the losses and legal liabilities of the Insured.
Any person who drives your vehicle should be listed as a driver on your auto insurance policy. Not only should they be listed but according to the policy terms you are required to notify the insurance company of any and all drivers and household residents. If a person has an accident while driving your vehicle and you have not listed that person as a driver you could be guilty of material misrepresentation and the claim could be denied by the insurance company. In the terms of the policy both the company and the policyholder both have requirements that they are responsible for. The policyholder is responsible for being truthful, providing answers to their questions, and paying the premiums on a timely manner. The company is responsible to pay claims that they are responsible to pay under the terms of the policy.
Yes - that's the point of uninsured motorist coverage. You'll be bound by the terms of your policy so review it. But generally yes, if the at-fault driver is uninsured, you can make a claim against your uninsured motorist policy. You'll have to prove the other driver had no insurance. Generally an affidavit of no insurance, or a letter from the most recent insurer stating the policy had lapsed or was in some way not in force is sufficient.
It depends upon the kind of insurance to which you are referring. Physical damage coverage (collision and comprehensive) covers physical damage to the vehicle insured according to the policy terms. Liability insurance protects you from claims by third parties who may have sustained damages as a result of your careless in operating an insured vehicle. The scope of damages can be either property damage or bodily injury damages. Personal Injury Protection insurance (often referred to as PIP or no-fault coverage) pays a portion of your own medical expenses and lost wages if you are injured in a collision. The insurance follows the vehicle, not the driver, so if you are a driver in another vehicle, that person's insurance is the primary insurance company unless their limits are too low and then the driver's insurance company would provide excess coverage.
Under the terms of your Insurance Contract, All licensed drivers in your household and all drivers that have access to your vehicle are required to be declared either as a covered driver or not. If not, then you can request they be excluded from coverage on your policy by way of form 515A. Failure to disclose a licensed driver in your home is a violation of the terms of your Insurance Contract and can result in voidance of all coverage. Bare in mind that once excluded the driver will have no coverage under your policy for any accident if they do for some reason drive the vehicle.
If you are 13 years old when were you born?
Is it true that one human year is equal to seven dog years?
What is half of 74?
What does minus 3 degrees mean is it 3 degrees below zero or 3 degrees below 32 degrees Fahrenheit?
Why can't we remember our dreams?
How do you protect the masonic emblem?
How much is 10000 quarters worth?
What gangs are in Ohio?
Can eggs break inside a chicken?
Why do books come out in hardback first?
What happens when a beehive gets too full?
What is the difference between an optometrist and an ophthalmologist?
How can you tell when someone's lying?
Why do some people celebrate Christmas in July?
Why is it bad luck to walk under a ladder?
What is a conservatorship?
How did Robert perault die?
Was Lucy meacock married to rob Mcloughlin?
What do you mean halim seeds in gujarati?
Who was giani maan singh jhaur?
Which of the following best describes what is required to be reported to congress?
What is a classified data spill or negligent discharge of classified information?
What is Ford Motor Credit payoff address OVERNIGHT?
Why the eastern Terai is cooler than than western one OF NEPAL?