HomeIf your car was lent to someone with a restricted license without your permission resulting in an accident and they are covered under their parents insurance who's insurance should pay?
Wiki User
Answered 2006-01-11 22:39:55
In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.
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It is important to have accident insurance in order to be prepared for the unexpected. Having accident insurance will prevent major expenses but not all resulting in an accident.
Although it depends on your insurance, the driver is covered if driving with your permission.
Accident insurance is typically very cheap because it restricts coverage to a claim involving death resulting from an accident which has a low statistical probability. Whether or not a man is "healthy" is of no relevance for "accident insurance". There are actuarial tables available that show the chance of death by accident by age and gender. If you are asking about "accident insurance" that will replace your income if you are hurt in an accident, that is typically very cheap as well. I am certain that you can get instant online insurance quotes for "accident insurance" if you use a search engine to seach the phrase "buy accident insurance"
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
I doubt it since his insurance is only for his car and not yours.
the policy that covers the car that is being driven.
If you have your own. Otherwise it is illegal to drive without insurance...and if you cause an accident and dont have insurance to pay for it you will be in really really big trouble.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
if there is insurance it should pay for the loss
No, the vehicle's owner's insurance is liable. The insurance is on the specific vehicle, not on the driver. It does not seem fair, but that is the way it is. Nathan C
Your insurance should cover you.
Generally speaking, if your insurance has to pay out, then there probably will be an increase. Good luck.
The answer should be yes to both parts of the question. You should notify them.
CTP means Compulsory Third Party. CTP or Greenslip insurance is required by all drivers in Australia, it provides a cover for injuries and death resulting from an accident.
the owner of the car with insurance will be responsible
Usually, if the driver had the owner's permission to drive. What happens if the car is owned by the person that has the accident but the insurance is in your name? However you no longer want to be in that relationship or to have to pay that insurance?
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
To avoid having to pay for hospital bills resulting from an accident they cause
Trying to get insurance to cover an accident that has already happened is Insurance Fraud, which is a Felony.
Allstate, Liberty Mutual, GEICO, and Nationwide offer accident insurance to customers seeking accident insurance.
No, Medicare is not accident insurance. However if you are a qualified medicare recipient then it will cover the cost of health care in treating those injuries that resulted from an accident. It will not pay though for financial loss or liability damages resulting from an accident.
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
Personal accident insurance covers the insurance in case of an accident during working hours and leisure time. Accident insurance varies based on the premium, but it usually covers the hospital expenses and additional expenses.
I would not drive a man's car if his wife said I couldn't no matter what. Legally, the person who is the policyholder on the insurance and the owner of the vehicle has to give you permission to drive. If you drive it on a regular basis, you must be listed as a driver on the insurance policy. If you drive the car without permission, and have an accident, you will not have coverage under the insurance policy.
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