The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the At Fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.
Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Yes,, That's what it's for. It pays for damages you caused to another.
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
If the damage occurred during the accident in question, then it should.
It is highly unlikely.
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.
You pay for all damages if you were at fault, and get a citation and fine for not having insurance.
No damage to motor vehicles is specifically excluded
If you are excluded as a driver on a policy that means that no coverage for any type of claim will be paid on any vehicles on that policy. It also means that the insurance company will not pay for anyone else's damages caused by the excluded driver. Excluded mean no coverage at all.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Liability insurance financially protects a driver who is not a fault in an accident by paying for damages. It will protect the driver who is at fault from being sued for damages.
They can, but you can sue the other driver for damages.
Oh yes, big time. If you are at fault and there are damages you can be sued for the damages.
As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.
Anybody involved in an accident. Damages are covered regardless of fault.
When you cause an accident that damages another vehicle or hurts someone
Yes but with subject to Your daughter is not excluded from your policy, you do not have a "limited" policy, your daughter holds a driving licence and has not consumed any alchohol and the insurance policy is not void. The damages to your car and to the third party property of the person can be covered up to the limit specified in your policy.