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If you have a lapse in insurance and someone backs into you is their insurance still liable for damages?
Wiki User
∙ 15y ago
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.
Wiki User
∙ 15y ago
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If you are a guest in somebodies house and they back in to your car whose fault is it?
Being a guest in someone's house has nothing to do with car insurance. If someone backs into your car then their car insurance is responsible.
Who is liable if a driver of a borrowed car backs into another car in a parking lot and drivers of both cars have misplaced their license and no report was filed?
The driver of the borrowed car, if at fault, would be liable in this case. If no report is filed, either with the police, or their insurance company, most likely no one would be held liable.
If you are leaving a parking lot and someone backs into it who's insurance pays. No cops were called?
depends on the state this happened in
When someone backs into you while pulling into a spot on a private property and does not get a ticket whose insurance will pay for the damage on the vehicle pulling in?
Based on your description the car that backed into the other car should pay for the damages. You can't get a ticket for backing into someone's car unless they were either drunk or had no license, both instances in which police should be summoned.
What rights do you have if you didn't report an accident to the insurance company right away?
One, the other driver is clearly liable for your son's damages. Even if your son's car was illegally parked and unoccupied, he'd still be liable. Two, attempting to handle auto claims out-of-pocket when insurance is available is a big mistake. Insurance companies have the "muscle" to work with shops to make sure repairs are done correctly and correspond with the actual damages. Also, when a vehicle goes in for repairs and is torn down, supplemental damages are often found. People who pay out-of-pocket for damages often don't want to pay those supplements. Three, the at-fault driver cannot "require" you to use the body shop he picks. That is a decision you get to make as the vehicle owner. If you know the at-fault party's insurance carrier, contact them right away. You can find their number in the phone book or on the web. The carrier will set up a claim even if it wasn't called in by their insured. Just so you know, "no-fault" refers to the medical coverage that is required on automobile insurance policies by state statute. It has nothing to do with legal liability as far as physical damage to a vehicle goes. If someone backs into your parked car, he's at-fault, period. He owes you for your damages. If the at-fault driver won't give you his insurance information, you could: 1. Get help from a willing police officer, who can approach the other driver and get the info; or, 2. File in small claims. Most people, when presented with a summons, scurry very quickly to contact their insurance carrier. And, too, court may be your only recourse if the at-fault driver doesn't carry insurance and continues to stall. Regarding the claim by the answerer that no-fault only applies to injuries and not to property, the author is mostly correct. However, in the State of Michigan property damages are also "no-fault" and handled as such.
If a car is parked in front of a no parking sign at an elementary school and another car backs into it causing damages which car is at fault?
First the insurance companies will assess responsibility. Then, if you are unhappy with that outcome you will need to sue in court and let a judge decide.
Does your car insurance go up when someone backs into your car when your not in it?
Normally this would not cause an insurance policy to increase, but it is possible. Every insurance company is different and have different rates. You should check with your insurance company directly and ask. Not at fault accidents can effect the price of a policy when the policy is new business with a company.
Who pays for the damages or deductible if a hired nanny is driving kids to school and backs into a parking space and rubs against a protruding branch which breaks the back window.?
ANSWERIt is an at fault accident, any way. Backing accidents are always at fault. I assume that the nanny had your permission to drive the car, however, was nagligent. Your insurance co will tell you to collect your damages form the nanny.
Should you report an accident that wasn't your fault if you do not have insurance?
Of course. If, as you say, the other driver is completely at-fault, that driver's insurance would still owe for your damages, whether you carry insurance or not. Look at it this way: You have insurance, another driver backs into you, he's at-fault. You make a claim with his insurance and never even notify your own carrier. It's basically the same thing (though it's somewhat crazy to be driving around without insurance. If you plan to continue this, I hope you have some major assets you can liquidate when the bills start pouring in).
What do you call someone who backs out on a bet?
A person who does this is called a welcher.
Who is at fault when someone backs into you while driving in a private parking lot in wyoming?
Situation dependent, but it really comes down to their insurance company vs. yours... the police won't issue a citation on private property.
Who is at fault when someone backs into an illegally parked car?
The driver is responsible for the full damages. Your car is motionless. A prudent driver driving reasonably should look into a rear view mirror before backing up. In this case your illegal parking did NOT contribute to the negligence of the driver.
