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It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.

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โˆ™ 2015-07-16 19:18:00
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Q: If the owner gave permission to a licensed driver is the licensed driver still responsible to pay for an accident?
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Related questions

If an insured driver with permission from an insured car's owner gets into an accident will the driver or the owner be responsible for payments?

the owner of the car with insurance will be responsible


Who is liable if a driver with a revoked license gets in an accident while driving your car without permission?

The unauthorized driver will be held responsible, unless there's proof that the vehicle owner did grant that person permission to drive.


Who is responsible for damages if a permit driver who is not on your insurance policy nor is a family a member drives your car with your permission while you are in it and they get into an accident?

you ni^^a


What happens if an uninsured driver borrows your insured car and gets in an accident?

Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.


What if a unsured licensed driver is driving an insured car and causes an accident?

Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.


Who is responsible for passengers in a car accident?

The Driver


When you do not have any insurance AND the person who took your car without permission has no insurance and causes an accident who is responsible of the other parties damages?

You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!


Can a son drive parents car?

Yes, if you have their permission, are a licensed or permitted driver, and are covered by insurance and the vehicle is properly licensed and working.


If an uninsured driver wrecks the car of an insured driver is the uninsured driver still responsible?

If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.


Would I be responsible if someone else is driving my car and they get into accident?

No. The driver is responsible.


What happens if you are in an accident with an unlicensed driver?

Most cases you get jailed if the accident is severe. If its not too much you get a ticket for driving without licensed driver. Depends on country to country though


Is any licensed driver insured while driving your vehicle?

If you gave permission then it should be covered.


Would a car with full coverage belonging to someone else be paid off if it was totaled in a single car accident when the driver was a non-inssured non licensed driver?

If the person driving the car was not officially excluded in writing from the policy and had permission or a reasonable belief that they had permission to use the vehicle then most if not all of the provisions of the policy would apply for the owner of the vehicle.


What happens if an unlicensed driver is driving insured car and has accident and not at fault?

You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.


Who is responsible when a driver with a suspended license in a borrowed insured car hits an uninsured motorist?

If the driver with the suspended license caused the accident then he/she is responsible.


How does the insurance company of a licensed driver look at an accident where the driver they covered is at fault in an accident where the driver not at fault has a suspended license will the insuranc?

It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.


What if you're in an accident and you're not insured or licensed but you have a learner's permit and you're 18 and it wasn't your fault?

Learner or veteran driver, if the accident wasn't your fault you are not responsible, but it has to be proven in a court of law (if it was a serious one) and if on the minor side and the police came to the scene of the accident it depends on their report as well. Good luck Marcy


What happens if you let a non licensed driver drive your car?

If they are stopped your car could be impounded. If they get into an accident you are responsible for damages of your car and the other person's car. Not worth letting them drive.


If i drive my moms car and i live with her but im not on the policy and i get in an accident is the car covered?

If you are a licensed driver but not listed on the policy the vehicle will not be covered. If you are not licensed it will be covered.


When a married couple separates and the unlicened person hits another car who is at fault the one who owns the car or the unlicened driver?

Both of you are responsible. 1).The driver who had no license will be cited for it and the accident, as well. 2).You're responsible for allowing that driver to drive that vehicle, knowing that he/she was not licensed at the time. It's called "Negligent Entrustment" as well as "Contributory Negligence".


Who is responsible for a hit and run accident?

the driver that did the hitting and running ultimately is responable maybe not for the original accident but leaving the scene ,puts that driver in a world of hurt


Is a non licensed driver insured?

Yes and No. No insurance company will ever insure an un-licensed driver. However, if a non-licensed driver is in an accident, where not at fault, with another driver who is insured, that insurance may still cover the injuries of the non-licensed driver. This is very tricky, though. Some states have a type of fault where if you were partially at fault for the accident as well, you may have your damages reduced by the % you are at fault; other states will determine that if you are 50% at fault, you get nothing. So, if a state were to determine that you being un-licensed to drive was worth 50% of the fault (that is, you should never have been there for the accident to occur at all), you might not get any coverage whatsoever. So, it depends on whether or not (and to what extent) you were at fault, and what your particular state's policies are for liability.


Who is responsible if an unauthorised driver drives a hire car and has an accident?

I assume that you mean a rented vehicle with an unlisted driver having an accident. If you allow an unlisted driver to operate the vehicle then the person who signed the rental agreement will be responsible for damages because he allowed the unauthorized to drive.


If an unlicensed driver was involved in an accident in one of the vehicles on your auto insurance policy Will your insurance cover the charges?

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


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.