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.
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.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
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"
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.
I doubt it since his insurance is only for his car and not yours.
the policy that covers the car that is being driven.
You and/or your insurance.
if there is insurance it should pay for the loss
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
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
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.
the owner of the car with insurance will be responsible
Trying to get insurance to cover an accident that has already happened is Insurance Fraud, which is a Felony.
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.
To avoid having to pay for hospital bills resulting from an accident they cause
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
Allstate, Liberty Mutual, GEICO, and Nationwide offer accident insurance to customers seeking accident insurance.
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?
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.