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What else can I help you with?
What happens if an excluded driver on your insurance policy cause an accident but you let them drive?
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.
If you borrow a motorcycle and have an accident are you covered on their insurance?
Only if you are a named driver on the policy.
If an unlicensed driver was involved in an accident in one of the vehicles on your auto insurance policy Will your insurance cover the charges?
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
What if the person who hit you does not have a license but has insurance?
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
Who is responsible for a accidents costs the owner of the car or driver?
the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
Will insurance cover the car i hit if im not on policy?
It depends on the state, policy, and company. Some will if you were an authorized driver of the vehicle and you had an accident.
If I am listed as a driver on someone else's policy can I be sued if the primary driver causes an accident?
Yes, you can potentially be sued if you are listed as a driver on someone else's insurance policy and the primary driver causes an accident. Liability typically extends to all drivers involved in the accident, and while the primary driver's insurance may cover damages, injured parties can pursue legal action against any party they believe is responsible, including you. It's important to understand your specific state's laws and the details of the insurance policy involved.
In an accident who is liable the 18 yr old driver or the parents who own the car and insurance policy?
parents if the insurance is under their names
Can a 23 year old as a licensed driver be covered on parent's auto insurance policy?
Sure, The policy owner can add any driver to their auto insurance policy, In fact, If you are a regular driver the owner is required to disclose such and list you as a scheduled driver, otherwise the insurance company could deny coverage in the event of an accident involving an unscheduled driver. It does not matter if your related or not.
Will the driver's insurance pay if the owner of vehicle gave him permission and he totaled the vehicle and the owner was injured and hospitalized and the driver was also arrested for DWI?
This Depends on the type of insurance policy. A standard Auto Insurance Policy will most likely pay for permissive use so long as the driver was not excluded from the owners policy, and was not committing a felony at the time of the accident. If the Owner has a Named Driver Policy ( AKA: Drivers Policy, Non - Owners or an Operaters Policy ) then it will likely NOT pay for the drivers accident as it only covers the driver named on the policy. It will probably pay, then promptly cancel. Getting insurance just became very expensive.
If an insured driver under the age of 18 is involved in an accident can they claim insurance?
Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.
