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Insured motorist hit uninsured unlicensed driver - who's responsible?
Wiki User
∙ 16y ago
both, you for hitting the other vehicle and the other driver for being unlicensed
Wiki User
∙ 16y ago
The insured motorist is typically responsible for the damage caused in a car accident, regardless of the other driver's insurance or licensing status. The insured motorist's insurance policy may cover the cost of damages depending on the specific coverage. It is important to report the accident to the insurance company and let them handle the details.
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What section is responsible for compensation for injury or damage ot property?
The section responsible for compensation for injury or damage to property is typically covered under the insurance policy's liability coverage section. This section outlines the coverage provided for damages or injuries caused by the insured party to another person's property. If the damage is covered under this section, the insurance company would typically reimburse the affected party for the cost of repair or replacement.
When an insured makes truthful statements on the application for insurance and pays the requires premium it is known as what?
This is known as the principle of utmost good faith, where both the insured and the insurer are expected to act honestly and fairly in their dealings. By providing truthful information and paying the premium, the insured is fulfilling their obligation to disclose all relevant details to the insurer.
Does a life insurance policy become void if the insured goes to jail?
A life insurance policy usually remains valid if the insured goes to jail, but it ultimately depends on the terms and conditions of the specific policy and the reason for incarceration. It's important to review the policy details and consult with the insurance company for clarification in such cases.
What is the difference between particular charges and sue and labor?
Particular charges refer to expenses incurred during a voyage specific to a ship or cargo, while sue and labor expenses are incurred to mitigate or prevent further damage to the insured property. Sue and labor expenses are incurred to protect the interests of the insured under their insurance policy, whereas particular charges are costs directly related to the specific voyage.
Can a step daughter purchase life insurance on a step father?
In most cases, a stepdaughter would not be able to purchase life insurance on a stepfather without his consent. The stepfather would usually need to give permission and be involved in the process, as he is the insured party.
If an insured motorist hits an uninsured vehicle and the insured motorist claims it is their fault who will pay for the uninsured vehicle?
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
Who is responsible when a driver with a suspended license in a borrowed insured car hits an uninsured motorist?
If the driver with the suspended license caused the accident then he/she is responsible.
If an insured motorist is at fault and hits an unisured motorist will the insured motorists insurance company pay the expenses of the uninsured person?
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit. A good rule of thunb is this,, If they had insurance would I be responsible If the answer is Yes, then the answer is still Yes
What is cover under uninsured motorist?
When you buy a car, you have 30 days to get it insured before it becomes illegal, but you are completely financially responsible for any damage done until you are insured.
What do you do when an Uninsured driver hits an insured driver on private property?
The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.
If an insured truck driver from another state hits an uninsured motorist will the insured truck driver's insurance pay the expenses of the uninsured person?
Only if the truck driver was at fault.
If you are uninsured can you still sue the insurance of the insured that was at fault?
No according to the law (which may be different from state to state) The uninsured motorist is always at fault
How much will your insurance rate go up after an accident with an uninsured motorist?
Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies.
Is an uninsured unlicensed driver that is driving an insured car covered if he gets in an accident?
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
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 does stacked uninsured motorist coverage mean and will it get your car fixed by insurance?
"Stacked" refers to uninsured motorist coverage, not to liability or physical damage coverage. In essence, if there are two cars in a household, both with insured motorist coverage, the uninsured motorist limits of the cars can be "stacked"--added together. Naturally, this will only make a difference if the severity of the injury and the clarity of the liability is such as to warrant that size of a payment to the insured. Keep in mind that the assessment of damages by an insurer in an uninsured motorist claim is similar to that done by a liability insurer in a third-party claim. Note also that some states have "anti-stacking" statutes which prohibit the stacking of ininsured motorist limits.
Can a medical insurance company recop money paid by uninsured motorist?
Yes, they can. When you enrolled in the health plan and when you submitted the claim, you agreed to allow them to recoup money from any responsible party. It does not matter whether the responsible party was insured or uninsured; if they paid, the health plan has the right to recoup the money it paid for your care.
