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In North Carolina if you have liability coverage only and you damage a friend's car while driving it with their permission are you considered an uninsured driver by your friend's insurance company?
Wiki User
∙ 17y ago
No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is At Fault or if the other driver is known, is at fault and does not have insurance.
Wiki User
∙ 17y ago
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Will your insurance pay if the accident is your fault and you only have uninsured motorist insurance?
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Can you use uninsured car insurance towards your car if you don't carry collision?
An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.
Can you have liability only car insurance in Kansas?
There are three types of automobile insurance coverage required in the state of Kansas. These include liability, personal injury and uninsured.
Can you get insurance on your license even if you do not own a car?
I believe you can get liability and perhaps uninsured motorist insurance without owning a car.
Who is considered an uninsured motorist?
Anyone without valid auto insurance that is driving is an uninsured motorist.
Will liability insurance pay off your vehicle if it is totaled?
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
What kind of auto insurance does Erie Insurance offer?
Erie Insurance auto insurance plans include coverage for bodily injury liability, medical payments, property damage liability, collision, comprehensive, and uninsured/underinsured motorists.
What types of businesses sell Company Liability Insurance?
The Company Liability Insurance is a protection service. The company that sells the insurance is called Nationwide, and the base is in Colombus. One thing that is unique with this insurance is the uninsured and underinsured mororist coverage.
Do Wisconsin and Tennessee require mandatory auto insurance?
Both Tennessee and Wisconsin require auto liability insurance in order to drive in the states. Wisconsin requires that you have liability and uninsured motorists coverage.
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
Where is the limit of insurance company liability for uninsured motorist coverage listed in the policy?
It would be listed on your declaration page which is mailed to you at each renewal period. Listed first would be your Bodily Injury limits and under that would be your uninsured/underinsured liability if you have it.
If an insured driver was driving your uninsured car would their insurance cover an accident?
Only if the driver was responsible and only for his liability
