If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?
As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right?
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What happens if you have no auto insurance and no drivers license and you where in car accident but it was not your fault?
Answer . Sorry to say, Eva, but an uninsured car is not supposed to be on the public streets and a person with no license is not supposed to be driving a car. Since you contributed to the accident by violating these laws, you are at least partially at fault. The other driver's insurance company… is going to deny any claim you submit.. ( Full Answer )
If you are in an accident and the other driver says you were at fault does this mean your car will not be repaired by your or their insurance?
No, if you have the right coverage (collision) your company will still pay for your car.
What happens to your drivers license when you are at fault in an auto accident and you do not have car insurance?
%REPLIES%. Answer . dl suspension for one yr and your going to need an sr22 for 3 yrs.. its not good. Answer . You probably will be arrested and if you are unable to pay the costs in full to the victim(s) you may be looking at some deep jail time, your driver license can actually be suspende…d for anywhere from 1- to TEN years depending on what state you live in but if the damages aren't paid, forget about ever seeing your picture on a license again.\n. \nBy the way, the 3-7 period a SR-22 is required starts when you are released from jail and your license is reinstated, not the day of the accident.. ( Full Answer )
If an uninsured driver who borrowed her roommates insured car got into an accident how can the driver take full liability if necessary?
If it's NECESSARY, the judge will tell you what to do. Probably have 25% of your wages garnished until the judgment is satisfied. If you are college roommates, you may still be covered under your parents' auto policy or an umbrella policy if they have one. But any insurance that may apply to you wil…l be secondary to the owner's policy and unless the damages exceed her limits, any liability to any other person's property should be covered. Of course, if she does not have collision and comprehensive, they will not pay for any damage to her car. In that case, if you have no coverage and she doesn't want to take you to court, your only option is to pay for her repairs or buy her a new car. ( 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 )
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
well i don't know are they? causing makes me thing you were the 'at fault' party, so if what you are asking is, the insured driver (you) were negliegent/at fault for the accident, but simply because the injured party was not insured do you still owe for their damage? yes you do, makes no differen…ce if they were insured or not (now, they might have some trouble come up from this), if they were an innocent and you negligent then you (your company) owe for their damage......some states may have statues that bar an uninsured driver/owner from recovery, so might check (you need to turn in the claim your adjuster will know) but I've never worked a claim in a state that had this (handled claims in around 15-20 different states i'd guess). ( Full Answer )
If you are involved in an accident that is your own fault with an uninsured driver can the uninsured driver and its passengers claim on your insurance although clearly they have broken the law?
Answer . Yes they can. They can also sue you in a civil case. Remember, a major reason for having the insurance is to financially protect others from your wrong doing.
your insurance contract will say something like, promptly report all losses you should report it to your company..........it doesn't matter that other vehicle is uninsured.......if you are liable you are liable, and owe for his damage, whether or not he is insured......
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?
Answer . \nIt 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 damages? to the car? if the car is insured that insurer (assuming coverage is available) will handle that damage, if you mean you were injured driving an insured vehicle....it depends on a lot of things...more info regarding status of drivers, vehicle, fact of loss, etc.....and perhaps i can be… of more assistance... ( Full Answer )
What happens when you are involved in an auto accident and you are uninsured but the other vehicle is insured and you are not at fault but the other driver claims you are?
Not at fault but uninsured Call the police in this case.Unfortunately this is a catch-22 because if you call the policeyour license is suspended for 1 year, if you don't it could be thedrivers word against yours.
If someone with insurance is found at fault when they hit an uninsured driver does the at fault drivers insurance still pay for damage to the uninsured car?
Yes, you are responsible regardless whether the other party has insurance or not. . You should recover compensation, but in the UK driving without motor insurance is a criminal offence so you could be prosecuted by the authorities. Also - the mechanics of the collision are important. For example - …drivers without insurance quite often have no driving licence: if the accident was contributed in part by inexperience of the person with no licence compensation could amounts could be reduced by a percentage. See the related link entitled "car driver injury claims" to see when car drivers can recover compensation. ( Full Answer )
What happens if a person with a suspended license is driving another persons car who is licensed but doesn't have insurance and there was an accident that was the fault of the other driver?
Answer . \nFile 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.
How much would insurance cost if you were involved in a car accident that was your fault and both drivers have liability insurance?
Answer . How much will it COST? If you have a good record of several years without claims, your premiums may not increase, but if you are a new driver or have had prior claims the increase will be determined by your insurer and no one else can give you a definite answer. Or how much will it PA…Y? If it was your fault, your liability coverage will pay for the damage to the other driver's car and if you do not have collision coverage, you get to pay for your own repairs. ( Full Answer )
i was rear ended frm behind by another car, the car had insurance but the person driving was not listed as a driver, can i still get paid for mu car damages n body injuries
What happens if there is no fault in an accident but other driver had no license insurance or registration?
I'm assuming you mean that you were of 'no fault' the other driver was at fault? Someone still owns that vehicle, I hope you called the police, and therefore the report will show names of owner and driver etc. If you have collision coverage file the claim, they (your company) will go after the guilt…y party. If you do not have collision coverage, contact the DMV for your state, file a state report, file a small claims case, get a judgment garnish their wages. After filing the state report you may be able to request an administrative hearing. Owner and driver (assuming uninsured) will be held responsible. ( Full Answer )
If you have uninsured motorist insurance and a hit and run driver hits your car will your insurance fix your car?
Answer . First, be sure that you have property damage coverage under your uninsured motorist as well as bodily injury.. Then, be sure that you have filed a police report.. If you have both of these things, there is a good chance you have coverage, but the final determination is up to the compa…ny. ( Full Answer )
You were an uninsured driver in a car accident in Missouri The other driver had uninsured motorist coverage but now you are being called by his insurance company requesting payment you have no money a?
yes the insurance company will come after you to pay the bill they used in fixing their driver's car. the point i do not know is that, are you responsible to pay the deductible or pay the total, what are this insurance people for anyways, they only make money they do not spend money... try talk to a…nd insurance agency and see if you are to pay a percentage of the money or all. ( Full Answer )
Will your insurance pay if the accident is your fault and you only have uninsured motorist insurance?
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage attached to it. Therefore, their insurance should pay any medical bills you may be charged for.
Can you collect insurance on your car from other driver even though you were at fault and you only have liability on your car and he has full coverage?
If the other driver was not at fault and you collect from his insurer anyway, Then someone would have to have filed a claim and false loss report with his insurer for this to have happened. This is called "Insurance Fraud" and is a Felony Offense.
Yes you can get car insurance as a provisional driver with a provisional licence. This is so you can learn in a private vehicle. It has to be under a 1.2 litre i believe. The provisional driver has to be accompanied at all times by some one who has been driving for 3 years or more and is over the ag…e of 21 years. in Maryland you have to have insurance before you can get a license but in north caroilna you have to have license to get insurance so really it depends on what state you live in! ( Full Answer )
It is important to understand the insurance policy that ispurchased on a drivers car. The only way that an uninsured driveris covered in an insured car is id the owner of the car has that intheir policy.
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -yo…ur uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company. ( Full Answer )
If you are driving without insurance and are involved in an accident that is not your fault who is responsible for damages to your car What legal consequences are involved for the uninsured driver?
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year …for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also. ( Full Answer )
No, but they will be liable for a citation if the police arecalled. Fault for the collision is based upon negligence. This can befounded upon carelessness (i.e. not yielding right of way), orviolating a traffic regulation. Not having insurance does not equate with fault for collision.However, if t…he law if the jurisdiction requires one or more typesof auto insurance, which it likely does, a citation will probablyissued for that. California Vehicle Code Section3333.4 States:. If you have no liability insurance covering you for theoperation of the vehicle that you were driving at the time of anaccident, you get no money, zero compensation oryour pain and suffering. Not a penny more than your reasonablemedical bills. Period. End of story. (The only exception to thishard and fast rule is if the at-fault driver was convicted ofdriving under the influence pursuant to California Vehicle CodeSection 23152 or 23153). . To add insult to injury, driving without insurance will subjectyou to having your car impounded, temporarily losing your driver'slicense and paying a hefty fine. See California Vehicle CodeSection 16029 for further details. . Bottom line: If you're going to drive in California, get autoinsurance. ( Full Answer )
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
Why not? You still have rights, they should have some kind of B/I, bodily injury that will cover your medical. You should have has insurance but now in a worse case senerio you might have to carry an SR-22, but of course you can claim!
My car was damaged by other car with insurance but the driver was excluded from their policy Can I file claim with my insurance as uninsured motorists?
Depends on your insurer, some companies cover you for uninsured drivers, some don't. Worst case scenario, you pay your excess and lose 2 years NCD.
Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.
You still get slammed. The logic that you not having a driver'slicense means you shouldn't have been there.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate… restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver. ( Full Answer )
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
You were in an accident and the other driver was at fault and accepted it the police gave her a ticket the only problem is you do not have a license can her insurance company deny your claim?
Unlikely. Check the laws in your state. In Louisiana, there is a law known as the "No Pay No Play" law. That has to do with having liability coverage, though, not a driver's license.
Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.
If you loan your car which has liability insurance to a friend and he has an accident can other drivers sue you?
This depends on the state. In California if you loan a friend your vehicle and he kills someone with it, then you are also charged with manslaughter!
If an uninsured person borrows your car and gets in an accident deemed by the other insurance co to be her fault when your insurance has lapsed who is liable the driver or the car owner?
I am sure that there are examples to the contrary, but the car owner is the one responsible for the insurance. It's your car. It's your responsibility to make sure it is insured......it would also be your responsibility to make sure whom ever you loaned it to were licensed and legal.
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
What happens when there is a car accident but the person not at fault has insurance but no drivers license?
your still in trouble since you dont have a License,if you have a mean judge,
No. Liability insurance protects you from claims by third parties if an occurrence is alleged to be your fault and the third party claims compensable damages. It indemnifies you (pays damages on your behalf), and provides a defense (hires and pays an attorney at its own expense-if it wishes to conte…st liability or damages). A liability insurance policy is triggered only if the allegations made against you arise from a type of risk contemplated by the policy--for example, an auto liability policy will not apply to a trip-and-fall claim made in a store that you operate. Uninsured motorist coverage is a different coverage. It pays to you the same kind of damages, based upon an assessment of relative fault and seriousness of damages, that the at-fault party's liability insurance would have paid if that person had liability insurance. It generally applies to only bodily injury damages-not property damage. A useful paradigm by which to think about it is that liability coverage is "third-party" coverage (pays to injured third parties based upon your fault), whereas uninsured motorist coverage is "first party" coverage which you maintain as a source of compensation for yourself if the at-fault has no bodily injury liability coverage. ( Full Answer )
What happens if you only have liability insurance and an uninsured motorist hits your car when its parked?
Liability insurance protects you only from a claim for damages by another party if you were at fault for a collision; it does not pay to repair your own car. Therefore, if the other party was not insured, you must pay for the repairs to your car yourself. Whether or not you do will depend upon whe…ther the cost of repair is commensurate with the value of the car. That is, if the cost of repair is substantially more than the value, it may not make business sense to do the repairs. You are also free to file a civil lawsuit against the at-fault party to recover the cost of repairs. In making the decision as to whether or not to do so, you will need to evaluate if the other party has the means to pay any judgment entered against him/her. If the ability to pay is questionable, you will want to consider compromising for a lower amount, or accepting payments over a period of time. ( Full Answer )
Yes, as long as the car is parked on private property. Cars stored on private property and not "in service" are the same as any other property, If the insured runs into your parked car our your house the insurance will pay. That's not quite correct. If the damage was intentional, meaning that the …driver of the insured car deliberately struck the uninsured parked car, then the at fault driver's insurance will NOT pay because of a clause in the policy that excludes coverage for 'intentional acts' like criminal activity (which is what this is). So the parked car's owner would have to pursue a civil case against the at fault driver and try to collect against their personal assets. ( Full Answer )
Yes, If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.
Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let dr…ive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that anyone who drives the car is insured. This is simply not true. Your will have to see your policy definitions for a covered driver or contact your insurance agent for clarification of when a driver is considered covered under your the terms of your auto insurance policy. ( Full Answer )
Insurance is purchased for the car, not the driver. Until thecar has been insured it cannot be driven by anyone. Note that most states do allow a short grace period after youpurchase a car in which it can be driven without insurance to letyou purchase insurance and handle title/registration paperwo…rk.This grace period does not apply to a car that you have eitherallowed the insurance to lapse or have removed its insurance. . If you already have another car insured (which it appears you do)and wish to drive a car that is not currently insured, contact yourinsurance agent and have them temporarily transfer the policy tothe other car. ( Full Answer )
What happens if a fully insured driver admits fault for hitting a parked vehicle but the other driver involved in the accident had no license insurance or registration?
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
The real answer is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what's being insured is the car ,not the driver . If you give permission to someone to driveyour car and they get in an accident and it's their fault, usuallyyour …insurance company is going to be primarily liable for thedamages. Your insurance company will probably pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn't explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you're probablygoing to be asked to throw them under the bus and testify that they stole your car. One complicating factor is that while what's insured is the car,the rates are set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers' records (highercollision rates). If there's a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company "Oh, no, he's not going to drive this car, he's going to drive a different car insured by some otherinsurer, so you don't have to worry about his driving record." If you live in a state that allows you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be allowed to say "Hey, you said CrashBandicoot here was not going to be driving yourcar, and lo and behold, he did drive your car, liar liarpants on fire, you pay for this, buddy." They maynot be allowed to wriggle off the hook entirely, but they probablywill at least be allowed to use drastically reduced coverageamounts, leaving a large bill for you to deal with. Crash'sinsurance (if he has any) may, or may not, kick in. ( Full Answer )
Will the insurance on my car still pay me for my totaled 2001 Jeep since I was in accident that not my fault and the other uninsured driver ran a stop sign at high speed?
Obviously every insurance claim is different, because every policy is different. For a specific question about your policy, call your broker or have a lawyer examine your policy. WikiAnswers does not claim that this is perfect answer or a necessary indication of what the insurance company will do. … With that disclaimer, there are two general types of car insurance coverage for collisions: liability and collision. Liability is far more common and required by law in most US states. However, liability only pays for damage incurred on the other person's car. So, for example, if you caused damage to another car (and depending on the fault rules in your state) that other car's driver could recover from your liability. Collision protects your own car from damage. If you have only liability in the present case, your insurance will not pay for your totaled car. Conversely, if you have collision, it is likely covered. In order to recoup the cost for your 2001 Jeep if you do not have collision, you need to collect it from the uninsured driver, either by asking him (and hoping he is a decent human being) or by suing him for the moneys owed. ( Full Answer )