Transportation Accidents

Is an uninsured driver that is driving an insured car covered if he gets in an accident?

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2005-11-05 18:49:46
2005-11-05 18:49:46

Yes, he should be. Most insurance companies insure the CAR and ask how many and ages of the drivers in the household to determine a rate. If you didn't steal the car, and had permission of the owner you should be insured.

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If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered owner is liable for the damages to the other pwesond's vehicle.

It is important to understand the insurance policy that is purchased on a drivers car. The only way that an uninsured driver is covered in an insured car is id the owner of the car has that in their policy.

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.

No, if the other person is driving the uninsured vehicle, then that person is still covered by their own policy. But, if you AND the vehicle are uninsured, then it doesn't matter who's in the passenger seat.

Comprehensive coverage does not apply to the driving of a car. It should be covered.

If the car is insured and covers other drivers, the damage will be covered to the limits of the policy. If not, they're on their own.

P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.

No direct answer, as this all depends of the level of cover of the insured driver.

Some states are different, but in Michigan, the company who insured the car is responsible. They can then go after the uninsured driver Some states are different, but in Michigan the company who insured the car is responsible. They can then go after the driver .

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

You will NEVER be covered when you are drunk, you will be fined and put in jail! the reason for this is that too many idiots get behind the wheel of a car when they are drunk , many they have no respect for human life and do not even bother to think that they could kill someone!!

The injury would most likely not be covered under your auto because you let an unlicensed driver drive your vehicle when they cannot legally drive.

Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let drive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that anyone who drives the car is insured. This is simply not true. Your will have to see your policy definitions for a covered driver or contact your insurance agent for clarification of when a driver is considered covered under your the terms of your auto insurance policy.

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.

Yes, If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.

Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.

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.

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.....

If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.


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