If you give permission for someone to drive your car and they total it and are at fault should you file it through your insurance company or should you ask the driver to pay the damages?
Check your insurance policy. Most policies allow someone else to drive a car but certain coverages may be affected. Check your policy.
It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your…
It depends on which side of the event you're on first. Basically, whenever you have someone hit your vehicle that has no insurance you are making an uninsured motorist claim. This is normally where subrogation comes into play but it can work the same in any situation where a third party causes damage to your property and your insurance company comes in to pay for the damages for you. In these cases you sign over…
What happens if you wreck someones car who has insurance but you have no license and they are not pressing charges?
How do you determine the value of scarring due to the negligence of another person in an accident when reporting it to the insurance company?
Your insurance policy is designed to protect you and your assets. If someone else is making a claim against you for damages, even an unsubstantiated claim, your insurance company has a duty to review the details of the claim and handle accordingly. It's what you pay them for. If you were not negligent, your insurance company should determine that and notify the party making a claim against you that you are not liable for their…
Anytime you make a claim with your own insurance company against someone else's company or their company directly, the company taking the claim by law has to fully verify and investigate the claim being made. Not only that, no insurance company in their right mind would pay out insurance claims without checking them out first.
Yes. If someone hits your vehicle and the insurance company pays for the damages, they will go after the person who was at fault for the damages paid and after they collect all the money paid out they will reimburse you for the deductible that you paid when the vehicle was repaired. The damages were paid under your uninsured motorists coverage which has at least a $250 deductible for property damage so when all the…
If someone drove your car without permission or a valid driver's license and hit another car and totaled your car will the insurance company cover it?
Most "no fault" laws apply only to injuries, so in other words, if someone else damages your car, you can get the damages taken care of by their insurance company (or use your ins company and they will go to them for you possibly). Michigan is the only state I know of that is completely no fault, i.e. for property damage you go through your own insurance company
If you have a car accident in someone else's car and they have full coverage will that cover the damages to the car you hit?
Who can you inform if your ex patener took your car but does not have permission to carry on and use it even thou he has insurance?
If the car is in your name and your former partner will not return the vehicle call the police and report the vehicle stolen. I would not cancel the insurance because this can only cause you more problems if the person damages the car or hits someone else. If it is in your name you may be responsible for damages.
If your car was lent to someone with a restricted license without your permission resulting in an accident and they are covered under their parents insurance who's insurance should pay?
In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.
In an auto accident does the insurance company pay damages to whom will do the repairs or to the individual driver?
It depends. In MOST cases, the insurance company will have someone (called an adjuster) assess the damage on your car and write an estimate. After that, your insurance company will contact you on which bodyshop you want the work done at OR sometimes they will pick one for you. The company will then contact the shop who will in turn contact you giving you the ok to bring the car in once they have the…
if he is not on your insurance he is required to have his own insurance otherwise he is driving your car without insurance with or without your permission illegally so no it will be the get out clause the insurance company will use not to pay out and why should they pay for someone who has not paid for there services
Hopefully, you have full coverage insurance your own auto insurance will cover your damages. Auto Insurance polices provide coverage for accidental losses and certain other losses beyond our control. An "Intentional Collision" is not an accident and therefore would not be covered under the terms of the offending drivers insurance policy. If someone hit you intentionally with a motor vehicle, in the United States this is considered a "Vehicular Assault" and is a Felony. With…
How can I get my car insurance back when my ex-boyfriend and I both are the owners of the car but he is not willing to help me get the insurance back?
Well you should never buy a car or anything with someone you are not married to or related to. Hopefully not both. Either one of you can insure the vehicle without help from the other if both of you are co-owners. I suggest that you get him to sign over his interest somehow. Good luck. You can't sell this vehicle, settle with an insurance company for damages, or anything like this without his permission. Why…
What happens if you are in a car accident and you are rear end by someone with no license in a company vehicle and they gave him permission to drive and you are injured?
Whose insurance covers you if you drive a friend's car but only have a learners permit and your parents have the same insurance company?
I hope you're asking this before you need to know, not after.In most cases the insurance is on the car, not the driver, so it would be the car owner's insurance. Generally, the insurance will cover someone driving with the owner's permission, but there could be an exclusion for someone with a learner's permit. You and your friend should know before you drive the car. If we have a driver's license and covered under an…
Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.
If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?
Unauthorized Use of a Motor Vehicle When someone takes your car without permission it's called "Auto Theft". You call the police and make a theft report. You would not be responsible for damages a thief incurs while in the commission of a crime. If you fail to make a Police Report then you have in effect given "Implied Permission" to use your vehicle and you can be held fully liable for any and all damages…
What do you do if someone borrowed your uninsured car without permission and was at fault in an accident?
If someone without insurance is found at fault when they hit an insured driver how do you get payment?
You can do a couple of things. First, you can file a civil lawsuit against them. Sometimes you will get your money and sometimes you wont. Another thing you can do is check your policy or call your insurance company and see if you have uninsured coverage. If you do, you can get your own insurance to cover the damages.
What can you do if someone hits your car from behind and totals it but you dont have insurance and they do?
Would it effect the insurance he could get for his own car if my friend crashed my car with a learner's permit?
I wouldn't worry about your friend and his insurance, but your own. If you are a minor your parents owe for damages that your friend did to the other car. If you allowed him to drive the car without your parents permission that is a problem too. That was not smart allowing someone to drive your car.
Should your automobile insurance rate double when the car was totaled while someone else was driving with your permission?
If someone hits your car and you have no insurance will their insurance cover your car if they were totally at fault?
Ask an insurance company for a "broadform" policy. That will cover you for any car you drive. Yes, although it's rather pointless. Why pay for insurance on something that you don't even have or own ... there is no need. If you drive someone else's car, you are covered under their insurance policy, provided you have their permission to drive it.
First of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that insures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver of the borrowed car may be able to add extra coverage.
If you have a lapse in insurance and someone backs into you is their insurance still liable for damages?
If your state requires your legally registered vehicle to be insured at all times, your lack of insurance MAY be of some interest to law enforcement. HOWEVER - if the other party's vehicle struck your vehicle then THEIR insurance is liable of the damages. It makes no difference whether or not your insurance was in effect at the time, or not.