No, homeowners insurance excludes vehicles.
Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.
It's just auto Insurance. If you purchased coverage for uninsured motorists coverage option then yes you will be covered.
If you purchased uninsured motorists coverage with your policy you will be covered. The SR22 is not insurance, it's certificate of proof that you have insurance.
Both the uninsured driver and the friend are in trouble. My GUSS IS the uninsured friend will be liable to any damages he has caused The uninsured friend will be responsible for the damages to their car If insurance is required in your state, the uninsured friend and/or driver could face criminal charges
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
This will depend on the type of insurance coverage. The insurance company can decide to go to court and argue that since the driver was uninsured, then they should not be liable for damages.
It is highly unlikely.
If you have an accident with an uninsured vehicle, you and your insurance company are still liable for all damages, even though the other vehicle has no insurance. The only thing that will happen to the other driver is a citation for driving with no insurance.
They can pursue him civilly, and the not at fault driver can also sue for damages.
No, you will not receive a point.
Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.