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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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โˆ™ 2005-11-24 03:57:48
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Q: 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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Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?

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


Insured motorist hit uninsured unlicensed driver - who's responsible?

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


When you do not have any insurance AND the person who took your car without permission has no insurance and causes an accident who is responsible of the other parties damages?

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


If an unlicensed uninsured driver has consent of the car owner to drive in a lot and is in an accident does the driver at fault still have to pay?

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.


Will insurance cover your damages from an accident if an unlicensed uninsured driver was in an accident on private property?

It is highly unlikely.


If you hit an unlicensed driver will your insurance pay for damages to his car?

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.


If an uninsured driver with no license wrecks your car even though the wreck was caused by the other driver what happens?

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.


In the divorce you responsible foare your childrens medical insurance but you lose your job are you still responsible for their insurance?

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.


A friend borrows your uninsured car with permission and causes accident Can a claim be filed against his insurance?

I doubt it since his insurance is only for his car and not yours.


If you had an accident that was your fault you have uninsured motorist coverage the other driver was uninsured do you have to pay all the costs?

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.


Can a uninsured and unlicensed driver sue you for an accident?

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.


What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?

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


If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?

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.


If an insured person allows an uninsured person drive her car and the uninsured driver has an at fault wreck who pays?

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


If you have full insurance on your car and it is totaled by an unlicensed driver what happens with your insurance and payments for the car?

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.


If both drivers in an accident are uninsured does it matter who was at fault?

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.


Who is responsible for damage done to a uninsured vehicle?

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.


Does U.S. Senate bill 2611 allow illegal aliens to continue to be unlicensed and uninsured drivers?

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.


Who is responsible if a car owner let an unlicensed uninsured driver sit in their car and they drove it and hit a parked car?

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


If an uninsured driver wrecks the car of an insured driver is the uninsured driver still responsible?

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


What happens if an uninsured unlicensed driver is driving your insured car and has an accident?

If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate your vehicle. Your next Auto Insurance Policy premium will take into account your claims history and charge accordingly.


If you are driving another persons car with permission and have an accident and the car you are driving is uninsured will your insurance pay to get the car fixed sicne you were at fault?

Yes!


Does uninsured auto insurance cover property damage?

If you are uninsured then of course not.


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


What happens when an uninsured driver borrows a friend's uninsured car and gets into a wreck?

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