Typically, a law enforcement agency will not do an accident report on private property. Since you have no documentation, it will be hard for you to pursuit any action. Your sole course of action anyway would be civil or small claims court. Then it is your word against their word. It is a good idea to carry a disposable camera in your car to take photos. Most States require that both parties provide basic information such as name, address and telephone numbers when involved in an accident, whether on private or public property.
It is highly unlikely.
Driver's licensure is a condition of getting auto insurance.
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
If two cars crash and neither driver has insurance, the police officer arriving on the scene will of course both issue you tickets for no insurance, and your license can be suspended. The officer will also determine who was at fault, generally the faulty party is responsible for damages. Otherwise you are both on your own for being negligent for not having insurance at the time of the accident.
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.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
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.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.
Your Insurance Rates will almost always "decrease" when you obtain your permanent Drivers License, barring any accident or tickets having accumulated while you had the learners permit.
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.
It is up to the driver to subit the auto accident claim. You should submit the claim as soon as possible after the accident.
Generally speaking, no. However, in any moving incident/violation, your driving record is checked. If it turns out that you have a few past speeding tickets, and maybe another previous accident or two where you were not at fault, the insurance company may choose to tag you as a high-risk driver and increase your premium. On the other hand, if you are a driver with a spotless record, your rates will probably not go up in the event of an accident where you are not at fault.
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
Yes, the general idea of insurance is that your rates go up when you cause an accident and they are forced to pay out.
There are many programs out there suited for accident prone drivers. Try progressive.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.