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If your at fault and you hit the other driver that doesnt have a license and uninsured who has to pay?

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2005-09-28 03:34:13
2005-09-28 03:34:13

If you're At Fault, you pay.

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Only if the other driver was at fault. If the driver of the uninsured vehicle was at fault, the injured person would have to recover damages from them.

P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.

Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.

Yes. It is the responsibility of the at-fault party to pay for the damage caused in an accident, regardless of the license or insurance status of the not at-fault party.

The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.

They can pursue him civilly, and the not at fault driver can also sue for damages.

If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.

Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.

Are you saying that you are uninsured, and the drunk was at fault, if simply due to the fact that you were uninsured (and of no fault whatsoever), you have to pay for his vehicle? NO, the ''at fault/negligent" party is liable/responsible for the damages they caused due to their neglience. Subject to any laws in your state barring uninsured drivers/owners from recovery of damage. But just because you are uninsured (if not at fault) you are not responsible for the drunks damages.

If the insured driver is at fault then most likely his/hers insurance will be responsible. There is a fine line when it comes to a situation like this especially if you live in a no fault state. The only true way to know the answer is to talk to an insurance company/agent.

The fact that the car was illegally parked doesn't matter. The driver of the moving car was responsible to adjust their driving to the road conditions, and to ensure it was safe to proceed. This accident will be the fault of the uninsured driver.

Yes - that's the point of uninsured motorist coverage. You'll be bound by the terms of your policy so review it. But generally yes, if the at-fault driver is uninsured, you can make a claim against your uninsured motorist policy. You'll have to prove the other driver had no insurance. Generally an affidavit of no insurance, or a letter from the most recent insurer stating the policy had lapsed or was in some way not in force is sufficient.

The uninsured driver, assuming they are at fault, can expect to be pursued civilly by either the other driver's insurance company or the other driver. The uninsured motorist can be sued for damages and any other expenses incurred as a result of the accident, including court costs.

See this related 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

No. You coverages that apply is what you had at the date and time of loss.

The settlement would depend on the situation. If it is from a auto accident the settlement would depend on the limits of the at fault driver of the limit on the under of uninsured limits of the non fault driver.

Bad things, will mostly likely get a few citation from police. If he is found to be at fault he could be liable for the damage.

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.

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.

Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost you plenty. You chose to drive without insurance, and in doing so you will be require to accept responsibility for your actions. You do not even have uninsured motorist insurance to cover your damage even if the other driver is at fault and cannot pay. You were not insured, and will now pay for that mistake.

Yes, (subject to policy exclusions and your state law regarding uninsured unlicensed drivers), the person that is negligent, at fault is the one responsible for the damages to the 'innocent' party. Regardless of their licensing/insurance in most cases.

The person who caused the collision is at fault. If someone ran a red light he/she gets the points on his/her license and his insurance gets to pay the damage. The unlicensed driver just gets the ticket to force him/her to get a license.

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 -your 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.


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