It depends on what state you are in; most states require PIP (Personal Injury Protection) to defray the costs of an accident where at least one of the parties is uninsured.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
Yes because you where still drinking
If the accident was your fault, the other party's insurerhas no duties owed you.
You insure a car for a person or persons, so that in the event of a accident with that car, insurance can be claimed only if a named driver on the insurance was driving at that time.
The insurers of the driver who was deemed to be at fault for the accident.
You don't. You sue the individual. The insurance company is obligated to take care of the obligations of the individual.
Your insurance won't pay for any damage or injury to persons or vehicle. (unless they were driving legally with a drivers permit)
The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.
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.
the persons who car you were driving
Insurance companies normally pay out according to who was "at fault" in the accident. A court may decide that breaking a traffic law, (driving while suspended), places you "at fault". If there is substantial money or additional traffic penalties involved you need a good lawyer to sort it out.
To drive another person's car you must be a named driver on the vehicle's insurance policy.
the car owners insurance The person driving the car would need to submit a claim to their insurance company. There are a few insurance companies that will cover not only the registered owner but anyone driving the car, however this is not usually the case.
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.
No. If the accident was your fault, you can not get money from the other person's car insurance.
File a claim with the other party's carrier and hope that they accept liability for the incident, otherwise you may learn a lesson the hard way.
If you were cited then you need to appear, if you have coverage on another vehicle then you should bring that proof with you as you should be technically covered for driving another persons vehicle.
Only if the other persons insurance covers anybody who drives the car.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
Comprehensive in Car Insurance mean when you have an accident with another car, your insurance will cover the cost for you, your car and the third persons car. But when you quote comprehensive the premium will be higher (£120 approx. per month).
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
No, the state does not notify insurance companies each time a person gets a ticket. It is up to the insurance companies to periodically get a persons driving record. Surprising to most people insurance companies don't do this all to often. It's expensive so they usually only get your record if you give them a reason to such as file a collision claim.
PLPD Insurance is personal liability and property damage insurance. This is an economical type of insurance where the insurance company will pay for repairs and damage done on another persons vehicle if you were found to be at fault in the car accident. There are different levels, or kinds, of this insurance.