If someone who does not have insurance drives your car and gets in an accident is your car still insured for damage to other vehicles and yours?
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If the car has full coverage and someone else is driving the vehicle will the insurance still cover both vehicles?
A good rule of thumb about car insurance is that the insurance follows the car. So, if you own a car, have full coverage, and loan the vehicle to someone, and that person has an accident, your car insurance will step in to cover both your car's damages and any property damage. This might not be true…, however, if the other person is a resident relative (ie, lives in your house) and has access to the vehicle all the time. In a case like that, you could have coverage issues because you didn't tell your carrier that someone else was regularly -- or might regularly be -- driving your car. Your rates are based on you as the driver; you don't pay your carrier to cover someone else. ( Full Answer )
If you drive on a learners permit without an adult in the car and get in an accident will insurance pay for the damages?
%DETAILS%%FOLLOWUPS% No, insurance will not pay if your parents have not placed you on the policy yet. You may also want to check your state laws. Having a 16-year-old daughter makes me a good source of info on this topic. Good luck to you. Actually, it depends on your carrier. Most parents add the…ir children to their insurance when the kids get learners permits. Depending on your parents' policy, there may be an exclusion for not having an adult in the vehicle with you. Or there may not be. And, here's the fun part: Even if there is an exclusion, and you decide to drive the car without an adult parent and get into an accident, most courts would not uphold the exclusion. One, first party coverage (i.e., to pay for the damages to your parents' car) is pretty hard to deny; and, two, third party -- or liability -- coverage is difficult to deny by an insurance carrier because it would place your parents in too much jeopardy (getting sued, etc). Still, unless you want a huge hassle before you even get a license, don't risk it. When does state law require a parent to add their 16 year old child with a learners permit to their auto policy? ( Full Answer )
Some aspects of the answer depend upon the state in which you live and the law to which it adheres. For example, in many states, the owner of the vehicle and the driver are jointly liable for the damages to the third party if the driver was using the car with the knowledge and consent of the owner. …Generally, permission is presumed to exist in the absence of the car having been stolen or there being an express, provable, refusal to permit its use. In general, if the car was insured for liability coverage and the driver was not listed on the policy as a permissible user, the insurer will likely disclaim coverage. This is because it was not paid a premium to assume the risk of his/her use of the car. If the owner did have liability insurance on the car, and if the driver had liability insurance on a different car that he/she owned and normally drove, the law of the state in which the collision occurred would likely address who's insurance is "primary" and who's is "excess"; this essentially means which insurance pays first before the other may be called upon. Often, the driver's liability insurance is primary because he/she is the actively negligent party, while the owner bears only a vicarious liability. Keep in mind that "what happens" also depends on fault. That is, the occurrence of a collision does not necessarily mean that anyone pays anything to anyone. In order to be entitled to damages, one party has to be found negligent (careless). Even the issuance of a traffic ticket for the collision is not determinative of the issue. A ticket is essentially the police officer's accusation that a traffic law was violated; it still has to proven. An adjudication of guilt on the ticket may have a bearing on a later finding of civil liability for damages. If the matter proceeds to suit and a judgment is entered against the owner/driver, and the judgment remains unpaid for a statutory period of time (often 30 days), the person(s) against whom the judgment was/were entered are subject to having their licenses/registrations suspended based upon the state's Financial Responsibility Law. ( Full Answer )
If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on …my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket. ( Full Answer )
If a person has permission from you to drive your car and then has an accident can the damage be claimed under their insurance instead of yours?
No, the vehicle's owner's insurance is liable. The insurance is on the specific vehicle, not on the driver. It does not seem fair, but that is the way it is. Nathan C
If you had an accident in a car that wasn't yours or insured the police were not called to the scene and no tickets were issued will this accident still show up on your driving record?
It will not show up, unless another person was invloved and theyput a claim against you. If you do not report it it will not go onyour driving record. Answer2: Nothing will show up, but why risk your own life and thelife of other people driving in an uninsured vehicle. This time youmay get away with… it, but what about the next time and you actuallycause great injury to yourself or injure or kill someone else in anaccident. ( Full Answer )
If you are in a car accident in Pennsylvania and your insurance company pays the claim can the person driving the other car still sue you?
Answer . When an insurance company settles with the other party, they ask for a signed release that absolves them or you of any further liability in connection with that incident.
Does your premium go up if someone without insurance had permission to drive your car and gets into an accident that was their fault in NJ?
Answer . \nGenerally speaking, if your insurance has to pay out, then there probably will be an increase. Good luck.
In Florida If you were in an accident and was excluded from driving the car and it was not your fault can the insurance co make the owner of the car pay for the damages on the other car?
Answer . \nThe 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. ( Full Answer )
If you are driving another's car that has no insurance and have an accident who gets the ticket the driver or the owner of the car?
Answer . Laws say that you are responsible to make sure that the car you drive is insured. inspected, and registered. even if it is not your car. I have been picked up on this charge a couple of times. Have asked plenty of lawyer friends and read enough books to find out I was screwed cause I… didn't ask first. My friend was also charged with letting me operate the car when I had a suspended license. we were both taken to jail for this ( Full Answer )
If your auto insurance allows you to drive other people's vehicles do the other cars still need their own insurance for you to be covered?
Although your own auto insurance may very well follow you to a loaner vehicle. It only follows you as "Secondary" coverage. It is still the vehicle owners responsibility to provide "Primary" coverage for his or her vehicle when that vehicle is being operated on public roads regardless of who is driv…ing it. Additionally, If an officer runs the license plate of the loaner vehicle you are driving and finds that it is uninsured. The driver will be ticketed. It is not the officers responsibility to determine if your coverage from your own vehicle transfers to the one you are driving. You could always argue that in court at a later time if you wish in your defense. If an at fault accident were to occur, Both the driver and the vehicle owner can be held financially liable for any damages or injuries that may occur, so the owner must still have the vehicle insured to cover his or her own liabilities even though they may not have been driving the vehicle at the time of the accident. Remember that it is the vehicle owners responsibility to provide "primary" coverage for the vehicle. Answer In all likelihood, yes, the car does need to be insured. This is because the vehicle in question would have to be properly registered in order to do this it must be properly insured. That being said, the owner of the vehicle can buy insurance just to cover the car while it's parked. Double check with your insurance company. It is likely to cover the car while you, the insured, are driving it. ( Full Answer )
If you have your licence but your car is insured under your parents name not yours can you still drive it?
Answer . \nYes, you can still drive it as long as you have your license.
If an unlicensed driver is in an accident with an insured car will the insurance company still cover the damage?
Answer . Most likely yes.. but your rates are going up, and the driver will be cited.
If your husband has his own insurance for his vehicle and you exclude him the insurance on your car will he be covered by his insurance if he was driving your car and had an accident?
Answer . \nYou have to list the drivers covered to drive your car on the policy. If not he is not covered.
If you are at fault but there was no police report and the other driver was driving someone else's car and they have no insurance and a suspended license will your insurer or you still have to pay?
Answer . \nMost insurers are really going to want a police report before they pay. I suspect that the owner of the car is going to find some way of getting their car fixed. If they have the details about you, they are either going to approach your insurance company or you for compensation. Th…ey can file a police report, but usually the police want both parties to be present. ( Full Answer )
Answer . \nDo you have car insurance? Yours will cover it. Your friend if he is a true friend, will cover the deductible.
What can someone do if they get into an accident with a vehicle they're still paying for with no car insurance?
The only thing you can do is pay for all your damages out of pocket. After all it was your decision to drive without insurance.
If a car was in an accident and the person driving had no licensed but was not at fault will the other persons insurance pay for damages because they were at fault?
Answer . Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.
There are legal requirements that all drivers be insured- as well as licensed and carrying proper registration documents- separate from the driver"s license and of course obligatory license plates.
If you are drunk but have an accident and the other party was at fault will insurance pay for your car damages?
NO your insurance will not pay because you were drinking and driving which is ILLEGAL. You were at fault. It doesnt matter if you were stopped and the other person hit you you were still driving under the influence. YOU SHOULD GO TO JAIL.
Who is liable if you have insurance but you are driving someone else's car who is insured and there is an accident?
Who's Liable in an accident? Both the driver and the vehicle owner can be held jointly orseparately liable for the entire cost of a claim. Primary Legal andFinancial Liability for an automobile accident is always with thedriver of the vehicle at fault, "Coverage from the Owners Policynot withstandi…ng" The Law requires that All Operators of a MotorVehicle on public roads carry proof of financial responsibility atall times irrespective of ownership. Auto Insurance does not automatically follow a car. Cars don'tdrive themselves. It follows the defined insureds legal liability. Depending on the Auto Insurance Policy Form selected, coverage mayor may not extend to other permitted drivers. A standard Form AutoInsurance Policy will typically extend coverage for permitteddrivers while A Named Driver Policy will not. When it comes to Liability, Auto Insurance provides coverage forthe named Insured(s) financial liabilities that may arise out ofvehicle ownership and operation. The vehicle owner can be held equally liable for financial lossesincurred while the vehicle is on loan depending on the legalconstruct of that loan. For Financial Responsibility purposes both the Operator and theOwner can be held jointly and severally Liable. In Most states of the US, Any coverage afforded under a policy onthe at fault vehicle being driven in an accident will invoke asprimary or first party coverage by contract regulation. Anytrailing coverage that the operator of the vehicle may have wouldinvoke as secondary coverage. If no coverage exists on the vehiclebeing driven then any trailing operators policy would step up asprimary. So the gist of the matter is this. The Driver is at fault andliable, But the Owners policy as first party coverage may belegally required to cover the accident for you if coverage isafforded. Answer The accident will likely still show up on your driving record,Depending on what type of insurance the owner of the car bought itmay or may not cover you as driver. You're liable if it was yourfault for the claim and the vehicle owner can be held liable aswell because they allowed you to drive the car. Think of it thisway. They gave permission for you to drive and you caused theaccident. So they assume that liability when they let you drivetheir car. Your own auto insurance policy would be a secondary coverage ifyour friend's policy has low limits or has a lapse or isinsufficient to cover the loss. Your policy is secondary. ( Full Answer )
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.
The short answer is... yes. Insurance companies consider that situation to still be your responsibility, especially since insurance coverage follows the car first, driver second.
Owner of car says car is insured and you are covered-you crash-it turns out the car is not insured-your insurance covers other party but not the car you were driving. Who pays for damages to car?
The person that lied to you about the insurance would have to pay for it. you could even take them to court. If they lied about the insurance on your car, they could be arrested under a small amount.
If your daughter lets someone drive your car and they do not have auto insurance and gets into an accident will my insurance cover the cost of repairs?
They would not be covered under your policy, But due to implied permissive use rules you can be held negligently liable. So your auto insurance may provide a defense for you under a negligence claim against you.
If someone has a car accident and does not have insurance how is the other motorist compensated for damages?
Your insurance policy most likely has a clause that protects you up to a certin amount if you are in an accident with an uninsured driver.. You can also hire a lawer and sue the other driver for any damages (along with lawer and court fees).
what can you do, both drivers are in the wrong and braking the law, so report it to the police and both partys will be charged and then prob get a fine to pay for the damage, also points on the licence
Your boyfriend got in an accident wyour car your car doesn't have insurance on it He is still listed on his parents insurance policy Are they responsible for your damage the damage to the other car?
The parents insurance will not cover any damage to your vehicle. It is possible but not likely that his parents insurance will cover damage, injuries and property damage to the other party. There is a non-owned vehicle clause in most insurance policies that will cover damages but this is designed fo…r loaner vehicles from the dealership, rental cars, and vehicles that are borrowed on a very limited basis, ex, your boyfriend borrow my pick up truck once every 5 years to move a couch. Chances are that because of your relationship to your boyfriend an insurance company is not going view this as a limited basis. Aside from all of this, if you live in a state other than NH or WI you are required to carry auto insurance on any vehicle you have a license plate for, regardless if you drive it or not. ( Full Answer )
What happens if you have no insurance on a rental car and a signed driver gets into an accident who is responsible for the other cars damages?
It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.
If a car is considered a total loss after an accident and the insurance company pays you for what the car is worth do you still have coverage on that vehicle if you contnue to drive it?
Usually if the car is a total loss, the insurance company will pay you and take the car. They then sell it for parts/salvage. If they let you keep the car, all you have to do is check on the current status of your policy and see if it is listed.
If you have insurance and let your daughter drive your car and gets into an accident will your insurance cover for the damages?
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
Check your insurance document. In the UK, most insurance contracts allow you to drive another car with the owner's permission, but the insurance is only for Third Party, i.e. you are covered for damage to anything or anyone you hit, but you are not covered for damage to the car itself. Check, check,…check! Also check that the car has road tax paid and any MOT or roadworthiness documents neccessary, otherwise it will not be insured and you will really be in deep trouble. In the US, your coverage offers you the needed liability protection in most instances and depends on the language in the policy. However this offers nothing for comprehensive (fire & theft) and collision. ( Full Answer )
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.
If you have a licence but no insurance and a friends car does have insurance on it can you still drive your friends vehicle?
yes, I am sure you can. But you must get the friends permission to drive.. Actually, I am not sure. Try yahoo answers.
Will your insurance cover damages if your daughter is driving your car and there's an accident and the other person is at fault?
Yes but with subject to Your daughter is not excluded from your policy, you do not have a "limited" policy, your daughter holds a driving licence and has not consumed any alchohol and the insurance policy is not void. The damages to your car and to the third party property of the person can be co…vered up to the limit specified in your policy. ( Full Answer )
If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?
Although it depends on your insurance, the driver is covered if driving with your permission.
If someone is driving your car and is not on your insurance and they get into an accident while they are drunk is damage covered to your car?
It will depend on the policy, but most policies are legally bound to insure anyone that drives an insured car (as the policy covers both you and your car).
If someone drives your car with a valid license but your car has no insurance and they have an accident and at fault?
Hope that you have lots of money.. Tell me your not stupid enough to drive a car with out insurance....
it depends if you have insurance that covers all drivers in the family or all and any drivers.
When you are in an auto accident with no insurance will the other persons insurance pay for their cars damages?
Their insurance policy will pay for their own car. However you must know it's against the law not to have insurance coverage for your auto.
If you drive on a learners permit with an adult in the car and get in an accident will insurance pay for the damages?
As long as the Adult: . Has properly informed the insurance company . Has insurance . Was not drunk or otherwise negligent.
What if you were in a car accident that was not your fault though you did not have insurance but the vehicle is insured?
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
If you wreck someone else's car and that person's auto insurance covers the damages can the car owner still sue you for damages to their car after the accident?
Generally, if the vehicle is totalled as a result of the collision and the owner had collision coverage, the insurer will pay to the owner the actual cash value of the vehicle as of the time of the loss. This usually equates to the value of a car of like kind and quality (including mileage, accessor…ies and condition) as of the time of the collision. Because of its payment to its insured, the insurer becomes "subrogated" to the right of action of its insured so that it can try to get its money back from you. You will have the same defenses against the insurer as you would have had against the other driver (for example, that the other driver was partially or entirely at fault for the collision). The subrogation action that the insurer files often includes a claim for the insured's deductible, but it may not. If it does, the insured cannot again make a claim for it; if it does not, the other driver can file suit against you for the deductible and other unreimbursed expenses that he/she may have incurred and that were proximately caused by the collision. Further, if the person is injured and if the injuries are of a type that permits him/her to file suit (usually defined in terms of seriousness), you can be sued for bodily injury damages. Your liability insurer has the obligation to defend you by providing an attorney at its expense and paying amounts for which you are found legally liable up to the limits available under the insurance policy. This is also true with regard to a property damage claim. If a judgment is entered against you and remains unpaid, there can be implications for your credit. Additionally, under the Financial Responsibility Law of many states, if a judgment from an auto collision remains unpaid for a stated period of time, your driver's license and tags may be suspended until payment arrangements have been made. You may also be required to obtain and maintain a special form of high-risk liability insurance (sometimes referred to as an SR-22) for a period of time, but this depends upon State law. ( Full Answer )
If you have an accident making a left turn on a green light and it was considered your fault but the person of the other car was not suppose to be driving is their insurance liable for your damages?
No. In this discussing this with another person we came to the conculsion that you are still liable for the damages. We did think that you could take them to small claims court to collect for damages since they were not suppose to be driving.
What if i hit someone with my car and i have no insurance and can not afford to pay for damages to other car?
then you should be prosecuted and your car taken off you. Its scum like you that have us all paying higher premiums!
What happens if you drive someone else's car which has no insurance and you have no insurance and you get in an accident?
This is not good. The law specifically says, that, it is your responsibility to make sure that the vehicle you are about to drive is properly insured. Sorry to say, but there is no way out of it.
You should double check with your insurance company to see how your policy is written, but usually your insurance would kick in as secondary coverage and you would be covered.
What if you are driving someones car that doesnt have insurance and you get in an accident but you did not know they did not have insurance?
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
Who is Liable for an accident if the driver of the vehicle that is at fault has insurance but the car he is driving is not registered in his name?
It really depends on the laws of your State and the policies involved. That being said, usually the policy on the car in question is primary in the resolution of any claim, and then the driver's policy would be in a secondary position.
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Probably not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter's fault, then the at fault party is responsible… for the damage they caused to your vehicle, regardless if the other party was licensed or not. ( Full Answer )