In a vehicle accident with property damage whose insurance is responsible the driver's or the owner's?
The registered owner is only required to furnish liability insurance.
If the owner does not have sufficient coverage (liability, comprehensive or collision), then the driver's policy would invoke as secondary coverage.
It's not nice to borrow someones vehicle, wreck it and then claim ""not my responsibility". after all, you did borrow the vehicle.
What happens if both drivers involved in an accident have no insurance and no police report was filed?
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?
Driving is considered a privilege and not a right. Because it is a privilege drivers are required to prove they are financially responsible. Mandatory auto insurance is proof that drivers are financially responsible to cover damages or injuries in the event of an accident. Because most drivers cannot reasonably pay for the cost of repairs and medical bills they cause in an at fault accident, states require auto insurance to protect both third party drivers…
Do you have to add your child to your car insurance if they live at a diffent house hold but primary driver of the car?
Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.
Can you file an insurance claim against both the at fault drivers insurance and the owner of the car you were driving when the accident accured?
Winding mountain roads, flooding rains and coal miners are only a few of the things that drivers in West Virginia have to deal with. They also have to deal with insurance rates. The best thing for drivers in the state to do is to look online for the most affordable insurance rates they can find. Car insurance is not just something that drivers can choose to have if they want to take it out. Car…
Drivers in the state of Connecticut are required to carry the minimum limits of auto insurance liability at all times. Those limits are $20,000 maximum bodily injury for one person injured in an accident, $40,000 maximum for all injuries in an accident, $10,000 maximum property damage liability for one accident, and $20,000/$40,000 combined bodily injury maximum for one accident.