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If your daughter's friend hit her car and claims he has no insurance is there any way to find out if he is really uninsured without a police report?
Wiki User
∙ 17y ago
The best way to handle this is to file a claim with your own insurance company, assuming you have first party coverages on this vehicle. Your insurance company will pay for your damages, less your deductible, and will then subrogate your daughter's friend; subrogate means to recover the damages paid by your carrier. If the friend or his/her parents claim to have no insurance (in response to the letter your insurance carrier will send them), then your insurance carrier will ask them to reimburse the damages paid for your claim, to include rental reimbursement if you have that coverage and to include your deductible. ADDITIONALLY, your insurance carrier can check online to see if this family or individual does indeed have current auto liability coverage. However, it is a database that is not available to the public and a valid claim has to exist for a claim adjuster to run a check on an individual. Generally this is available only for reports/claims of Bodily Injury, but I have in the past, on a hunch, used it to determine the carrier of individuals involved with insureds whose claim was in my caseload.
Wiki User
∙ 17y ago
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What happens if there is an autombile accident with a motorcycle and you have insurance but the other motorcyclist does not have a license or registration?
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
What does an uninsured driver do when hit by an insured driver?
There are many questions to be asked with this question. Are you saying an uninsured driver, driving a vehicle with no insurance? First of all you hope that the insured drivers insurance company accepts liability for the damage. If they don't then your only hope is to get a lawyer and take them to court. If you can't afford a lawyer then small claims court may be an option. For a bit of advise, don't drive uninsured.
What can you do if the person at fault in an accident claims to have no insurance?
You'll need to file an accident report, then notify your insurer of the loss occurrence. If your have collision or uninsured motorist coverage on your policy, your insurer can handle it for you. Your insurance insurance company pays you, they would then seek subrogation from the at fault driver.
Do you have to pay the deductible when your car is damaged by a hit-and-run driver if you have uninsured motorist coverage?
This varies depending on your specific insurance company.. I am a claims adjuster for a California Insurance company. Our policy reads that as long as you have some sort of id for other party ie lic plate, we will waive or reimburse your ded. Without id you are on the hook.
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.
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.....
What happens if you have car insurance but the person that hits you does not?
You can sue them in small claims court for your deserved money as long as you have proof of the damage. If you have Uninsured Motorist coverage, it will pay for the damage, minus any deductible.
What do you do if someone borrowed your uninsured car without permission and was at fault in an accident?
Take them to small claims court for the damages. If they didn't have permission, you should have reported it stolen and had them arrested.
What does an insured driver do when hit by an uninsured driver?
Uninsured driversWhen I was hit by an uninsured motorist and it was their fault, my insurance company paid to fix my car. It's my understanding that they then sued the uninsured motorist for reimbursement. I was told that I could also file a small claims suit against the uninsured motorist for the deductible amount that I had to pay under my policy. So you have a choice; submit a claim to your company and then file a suit against the motorist to recoup your deductible, or don't file a claim with your company at all and go after the uninsured motorist in court for the complete amount. But chances are, if they can't afford insurance, then they won't be able to pay you either! If you only have liability coverage on your car, then taking them to court is obviously your only option. Keep in mind, most insurance companies require the uninsured driver to sign a statement that they have no insurance. If they don't sign, your insurance company will likely decline your claim and you will have to take the uninsured driver to court. Most insurance companies also offer an option to pay a little extra and you don't have to worry about that, your covered no matter what. So to be safe just add it to your policy.In the UK a body known as the Motor Insurer Bureau or MIB will meet the liability of an uninsured driver. You must make the claim against the uninsured river and you should notify the MIB. See the related link entitled "accident car insurance" for more details on how the MIB pays compensation.
Who sells insurance claims software for a claims adjuster?
Claims Portal sells insurance claims software for a claims adjuster. You can get Property and casualty insurance claim adjuster resources at www.claims-portal.com/
What does an insurance claims register facilitate?
an insurance claims register facilitates
If a vehicle crashes into the back of me do you lose your no claims bonus?
If the driver of the vehicle who crashed into you has insurance, you would file a claim with his or her insurance company, not your own, and this should not jeopardize your no claims bonus. However, if the driver is uninsured, and you elect to seek redress from your own company, this may jeopardize the bonus. Check with your agent to be sure: policies vary from company to company and sometimes from policy to policy.
