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In Ohio if an uninsured unlicensed driver is driving your car without permission and hits a car and you have insurance are you responsible?

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2005-11-24 03:57:48
2005-11-24 03:57:48

I sense that this person driving your car without permission is a resident of your household. Without a police report of the theft of your vehicle then the person driving your car, especially if they are a resident of your household and reasonably knew where to find the keys, would have presumptive permission to use the car and your insurance will have to pay.

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Related Questions


My insurance canceled uninsured person hits someone in rear what happens to me

You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!

both, you for hitting the other vehicle and the other driver for being unlicensed

Yes, (subject to policy exclusions and your state law regarding uninsured unlicensed drivers), the person that is negligent, at fault is the one responsible for the damages to the 'innocent' party. Regardless of their licensing/insurance in most cases.

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 your car, so you will be responsible, however, this would be a good court case, because he/she actually "stole " your car and drove it. your insurance company and your lawyer will advise you what to do.Another View: It would, indeed, be an interesting case. There is such a charge as "Permitting an Unlicensed Operator." The law considers the person behind the wheel to be the person in charge of "operating" the vehicle. If you allowed the unlicensed person to sit behind the wheel, then you'allowed" him to be in control of the car, whether they drove off without your permission, or not. You may skate by without a traffic charge but your insurance company is not going to be happy with you. r

The vehicle owner is responsible for 100% of the damages. They can let anyone drive their vehicle as long as they have a valid license (being uninsured is not a factor), but if they turn their vehicle over to an unlicensed driver, the insurance company will not pay that claim.

You are still responsible for their insurance, when you get another job that has it available. If there is no insurance right now, most of the time you would be responsible for half of any medical bills that are acquired while they were uninsured.

The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.

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.

Yes. It is the responsibility of the at-fault party to pay for the damage caused in an accident, regardless of the license or insurance status of the not at-fault party.

If this unlicensed driver was driving your car with your knowledge, you are screwed. But if you mean an unlicensed driver hit your car, if you have full coverage you should be able to collect on your insurance. The insurance will make the check to the leinholder and they will give you any excess or expect you to make up any shortage to pay off the loan. In some cases, if you did give permission for the uninsured driver, your insurance company will pay for the loss but make you sign an exclusion stating that the driver will not be covered in the future for any reason. You would be liable for full cost if it happens again. You can also expect a spike in your rates if they reside with you.

Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't

Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.

If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.

The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver

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

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.

If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.

No, being unlicensed is against the law in any state and being uninsured is against the law in most states, legal or illegal. If you're an illegal alien and you are found with no license or insurance you face charges like anybody else, and if they know you're illegal they can report you to immigration.

If they stole it, probably. If you were stupid enough to allow an unlicensed driver to drive your car, it's probably NOT covered under your comprehensive; it may or may not have liability. You should contact your insurance agent for a definitive answer.AnswerYou said an "uninsured driver". So,, If this unlicensed driver is not considered an insured driver under the terms of your Auto Insurance Policy then no, there will no coverage. Additionally if you allowed an unlicensed driver to drive your vehicle and an accident ensued, Your Insurance company may cancel your policy due to negligence on your part if they get wind of the matter.As stated above by the previous contributor, You should contact your insurance agent for assistance in determining who is considered insured under the terms of your policy. If you purchased Direct without an insurance agent, then you have no advocate, your just left up to the mercy of whomever answers the 800 number.

If you are uninsured then of course not.

Only if the driver was responsible and only for his liability


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