Most likely yes, but what do you want to be covered for? Unless you made a material misrepresentation about how you would be using your vehicle to your insurance company. In my occupation I make house calls and as such I have a business use classification on my personal insurance policy so that there are no misrepresentation issues if an accident happens in route to a clients home or office. Yes, there is additional premium for a business use class but it sure beats a claim being denied. Consult your insurance agent to verify whether a business use class would be appropriate for your particular situation.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
If involved in an accident in the United Kingdom, you are entitled to compensation to cover the price of your vehicle and personal injury. You merely have to have photos of the damage to the vehicle and/or personal injury.
It could be, I would file a claim to make sure.
The proceeds of compensation from an award for a vehicle accident are not taxable.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.
Certainly Not. Workman's Compensation has nothing to do with paying for a vehicle or any other property losses.
Firstly,, If you are temporarily and unknowinlgly driving an uninsured non-owned vehicle and you do have liability insurance on your own vehicle, Then in Most cases that liability insurance from you own vehicle will follow you to the temporary vehicle as secondary coverage, so the accident may be covered under that policy. If No insurance exists to cover the vehicle then you can be subject to traffic fines for driving without financial responsibility, Impound of the driven vehicle, Possible arrest at the scene of the accident, Possible jail time, A Civil Suit may be filed against you by the claimant, Suspension of drivers license for up to 10 years or until such time as you have paid for the damages reulting from the accident. Once you have satisfied the associated losses from the accident you may also be required to maintain an SR22 Insurance filing to re-acquire your driving priveledges.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
The insurance policies that normally cover traffic accident compensation are vehicle insurance policies. To find out more, it is recommended to contact a local insurance agent.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.
Being named as an excluded driver means that you are not covered as the driver, and are not allowed to drive that vehicle. It doesn't mean that you can't be a passenger in the vehicle. If you were a passenger and were injured your injuries should still be covered under the insurance (whether or not the driver was your employer). If you were working at the time you may be eligible for workers compensation, also, but at the least your injuries should be covered.
If you are a licensed driver but not listed on the policy the vehicle will not be covered. If you are not licensed it will be covered.
No. If it was your own vehicle and you caused the accident then it is entirely your responsibility that the damage was caused and that you get it fixed.
In the UK it is true to say that the majority of motor vehicle collisions are caused by "improper driving". However - improper driving needs to be defined a little more. Really the truth is RTA's are caused by "driving errors" - whether this be due to a lapse of concentration, a disregard for the rules of the road, a lack of knowledge of the Highways Code, etc. To decide who is at fault, has made a driving error or is driving improperly can be a complicated legal process depending on the type of vehicle involved in a road accident, the road conditions and the evidence available as to how the accident happened. See the related link entitled "motorbike accident claims" to see how to show fault in a motorcycle accident and "car accident" to see how to claim compensation and prove liability in a car accident.Added: Add INATTENTION to driving, to the above answer and I would agree 100%.
yes you can
Yes, If you allowed your car to be driven by another while it was uninsured you can lose your drivers license and the other party can "Sue" both the Driver and You the owner jointly or separately for full compensation for any and all damages. As the owner of the vehicle it is your responsibility to ensure your vehicle is covered regardless of who is driving it. You, the "Owner" are equally "Liable" under the law with the driver you allowed to operate the vehicle. If the vehicle was stolen you can file a police theft report and you would not be held liable for the accident.
If an individual should have the misfortune of getting into a car accident, they might find themselves needing compensation. There are a few companies that could be of help in said situation. The best company would be Liberty Law.
If you have an accident and you are driving without insurance then you will not be bale to get any help towards the repairs of the vehicle. If another vehicle is involved you will be liable to pay for the cost of that one as well. If someone is injured they may make a compensation claim for their injuries and you will have to pay for that as well. In some countries driving without insurance is illegal and so you could face criminal charges too.
Sure. If you have no valid license, you have no business driving a car at all. If you weren't driving illegally, you wouldn't have had the accident.