Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don't work? Drivers fault. Not insured? Drivers fault.AnswerIf you drive a car that is not insured you can be ticketed for that. If you were not at fault in the accident then hopefully the other driver had insurance otherwise the damage to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the owner of the vehicle to have the vehicle insured.
The law clearly states that it is the driver's resposibility to make sure that the vehicle he/she is driving is properly insured and there are no acceptions, you will be ticketed.
If you are driving an uninsured car that you own and you get into an accident that is your fault, then you have to personally pay for the various expenses that may result from that accident, which includes both the cost resulting from damage to the cars involved, and also any medical expenses which result from injuries to people in those cars. Since you also are legally required to have insurance, the police may impose additional penalties.
Dependant upon WHOM the learner was insured with, who's vehicle he/she was driving, and the legalities such as "was there a licensed driver in the car at the time of accident"? all these things play a role. Contact a lawyer or your broker for a definite answer, but yes, in some instances, the parents can be liable.
this is tricky, dependant on the state laws...you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accident that is your fault...the owner of the vehicle is a passenger in the car and is injured...your policy should step in and cover this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn't matter you didn't know it was uninsured) and if your neglience resulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy.....sorry.....
1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.
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