no the state requires you to have so much
Paying more for your insurance doesnt gurantee any better coverage or better protection in an accident.
They have to pay for your repairs themselves
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
its the owner of the car. since they let the driver borrow the car (even if you didnt know they didnt have a licence) is responsible because if they were unsure they should have asked to see the licence before lettin the driver orrow the car
No, the accident occurred between the two parties, a police report is not necessary. Your insurance company can take the information regarding the accident. A police officer may write a citation based on the story that is told, but he cannot testify that he witnessed the accident so his involvement is generally useless.
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.
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
it doesnt
It depends.... If the girl that hit your car has car insurance that covers her while driving another persons vehicle, go after her and her insurance company. But if not, go after the owner of the vehicle, they are responsible for the vehicle at all times. The insurance company doesnt care who is driving.
NO your insurance will not pay because you were drinking and driving which is ILLEGAL. You were at fault. It doesnt matter if you were stopped and the other person hit you you were still driving under the influence. YOU SHOULD GO TO JAIL.
It's on your car insurance.
If he was at fault, regardless of whether he was pulling a camper or not, he would be responsible. Pulling a camper doesnt make you responsible for an accident if that was the only thing you did wrong. If someone rear-ended him, its their fault, if he rear ended someone or ran a red light, then yes, its his fault.