When a car is uninsured and it involved in an accident, the owner of the car is responsible for its damages and that of the other involved cars. This rule applies even if the driver has his own insurance cover on a different car.
The moral answer would be for him to pay for the damages that he caused.
Anybody involved in an accident. Damages are covered regardless of fault.
If you report it to your insurance agency it will. If you decide to take care of the damages yourself, and not contact them, it will not.
Yes, your homeowners insurance policy can be cancelled or non renewed if the insurer determines that your home or property has hazardous conditions. Especially if the homeowner has already collected on a claim and failed to make the necessary repairs.
If the vehicle belongs to the non-custodial parent and it was the vehicle involved in the accident, then the non-custodial parent's insurance will have to cover the damages and is completely liable for anything that happens with his/her car.
Having insurance in general is important; auto insurance especially. Not only is it illegal to drive without auto insurance, but if a person were to get into a car accident, he/she would have to exchange insurance information with the other person involved in the accident. A hefty fine can follow if he/she does not have insurance. The insurance will pay for the damages done so that he/she does not have to pay out of pocket. The same goes for homeowners' insurance. If damages are done to a person's house, then the insurance will pay for the damages. Overall, it doesn't matter if it is 21st Century Insurance or another insurance company. Insurance is very important to have.
Once your policy was cancelled you no longer have coverage. Hopefully the drunk driver has good enough insurance to take care of your damages.
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.
The answer should be yes to both parts of the question. You should notify them.
Depends, if a tree falls on your car and you pay for damages yourself then no. If another party is involved in the accident then yes. The reason being is even if you don't report your damages on your insurance the other party may report to theirs. The data from the accident is then reported into the CLUE insurance database and will cause your rates to raise since the database 'sees' that you were involved in an accident. Bottom line, it's best to report to your insurance yourself and let them pay out since you're going to feel the pinch anyway.
Vehicle insurance is one of the most important things a driver can buy. Without insurance, some drivers involved in an accident can be stuck with hundreds of thousands of dollars worth of damages that they have to pay.
It can take up to six months or longer if there where injuries involved.
If the tenant damages the property he is liable for such damages. The Landlord may or may not have his own insurance for this purpose but the tenant is liable. If the Tenant has his own insurance (Renter's Insurance) then the Tenant may file a claim and damages will be covered by that insurance.
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.
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
You should run the claim through your insurance first. The neighbor or their insurance company can come after you for damages.
Rentals from Goldcar Rental include Obligatory Automobile Insurance for damages to the rental car and Civil Responsibility Insurance for damages to other cars.
Yes, most insurance will allow you to make an, lump sum, out-of-pocket payment for the damages.