Technically, the insurance company should cover the costs of the other vehicle. If the unlicensed driver took the vehicle without permission, the owner may even be able to collect on the collision insurance to cover part of their expenses, but if he/she does that he/she will probably have to show a police report that the unlicensed driver took the vehicle without permission and that it was technically, automobile theft. On the other hand, the insurance costs for the owner may to up dramatically whether the owner gave permission or not. It all depends on the insurance company and how they view the circumstances. The unlicensed driver may not be allowed to get a drivers license for several years, depending on state laws.
If this unlicensed driver was driving your car with your knowledge, you are screwed. But if you mean an unlicensed driver hit your car, if you have full coverage you should be able to collect on your insurance. The insurance will make the check to the leinholder and they will give you any excess or expect you to make up any shortage to pay off the loan. In some cases, if you did give permission for the uninsured driver, your insurance company will pay for the loss but make you sign an exclusion stating that the driver will not be covered in the future for any reason. You would be liable for full cost if it happens again. You can also expect a spike in your rates if they reside with you.
It is never a good idea to drive without insurance as there are costly penalties if one is caught or involved in an accident. If one is in an accident without auto insurance, their options are limited but they may be able to sue the other driver if they are at fault.
Not all insurance companies will write a policy like this but some will. You might have to look a little but if you go to a couple of independent insurance agencies who represent many different companies then they will most likely be able to assist you.
you must make sure that you are okay and if you are able to move and able to get out of the car try and see if the other driver is conscious and okay then trade information such as insurance name I.D.
In the United States, anyone who is able to get a driver's license can get car insurance. The driver's license holder must be have insurance in their own name, or they can be added to a primary driver's insurance.
It all depends on the state in which the accident happened as well as the type of accident.
You may be able to collect. The only case in which you would possibly not be able is if the state you are in requires you to be insured also. In that case you would have been breaking the law. If you were required by law to have insurance than you shouldn't have been there. You would need to speak wit an atty who is knowledgable about the laws in your state. Yes. The legality issue of the uninsured driver is a totally different issue than the legal responsiblility of the driver at fault for damages incurred in the accident. The uninsured operator will still be subject to penalties as established by the laws of the state in which the accident occurred.
My boyfriend was driving my car and had an accident. My insurance company paid the damages but his insurance premiums went up. Mine did not increase. The points follow the driver. It has been a few years but I am not sure if it has changed. Your insurance agent should be able to inform you. I didn't want to call them at the time but I did and was assured even though they paid for it, I was not penalized nor were my premiums increased.
Contact the authorities in the area the accident occured, surely they will be able to provide assistance.
All insurance companies will cover a disabled driver if they are able to pass the driving tests. Try progressive.com for multiple quotes.
Your only obvious course of action would be to show that the state knew or should have known that the other driver did not have required insurance and that they did not do anything reasonable to prevent the driver from driving without insurance. This would be extremely difficult to prove. You are probably better off going after the driver in a civil action. If he/she has any assets, you may be able to attach them in a judgment.
you should report the accident to yours and the other drivers insurance company...typcially no matter how fast you had to stop they driver behind you must maintain a distance to be able to stop from hitting you .... thus being deemed neglient/liable/at fault for the accident
Which insurance company? If you don't know who it was, who should pay? If it was a hit and run accident, perhaps the police could help. If not, there should be a police report and you can get the information from there.
If you are victim of an accident caused by a person with minimum insurance, then it would limit how much you'd be able to collect from the at fault driver's insurance. But you could still try to gain personal assets from that at fault driver. If you are the driver who caused the accident and you have minimum insurance, then the person(s) you hit could potentially exhaust all the money in your state minimum policy and then come after you for more money if they are deemed to need it. The courts will require you to liquidate certain assets and turn them over to the victims. It could potentially bankrupt you, depending on your state's laws over what you can shield from liquidation. This is the main reason why you should almost NEVER drive with just the state mandated minimum unless you have to.
They're a juvinile right? They get a ticket (unlicensed driver) and probably will not be able to get their license until they're 18, maybe 20. If under age, the parents will probably be held responsible for the damage to the other car.
You still could pursued the claim under the vehicle. If the vehicle that hit your is being insured by Allstate Insurance, you should be able to set up the claim under that vehicle. Allstate might try to denied your claim based on unscheduled driver but they might get your car fixed with no question ask if you have a police/accident report.
You don't have to have a car insurance at all. It's only your option but it's better for you/ if you have an accident the insurance company will pay it for you
if u both left and someone is filing insurance claim, BOTH parties will get charged with Leaving the scene of an accident and may not be able to file insurance claim
No fault laws refer to injuries only not property damage. If you have comprehensive and collision coverage on your vehicle the damage to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver's injuries if he does not own a vehicle then the personal injury protection on your policy will cover his injuries, once again subject to any exclusions.
If you are in a car accident, you will need to file an insurance claim quickly. If you do not do this, you will not be able to get the money to which you are entitled. The insurance company will pay you a certain amount of money after the accident that you can use to fix or replace your car. Exactly how much you get depends on your specific insurance plan, but you will need to file the claim if you are going to get anything at all. If you want to make sure that everything goes through smoothly, you need to have the following things in order. First, you must have your own insurance information and the information from the other driver. After the accident has occurred, you need to wait for the police to show up. If you are in a safe place where you can get out of the car, you should use this time to talk to the other driver. Do not worry about establishing who is at fault. The police will do this. Do not blame the other driver or admit that the accident was your fault. All that you need to do is to ask for the driver's insurance information. Next, you need to have a copy of the police report. This is the other reason why it is so important to stay at the scene of the accident. If you leave, it will be hard for the police to establish what happened. They will not be able to provide proof that you were not at fault. You will also be breaking the law since it is illegal to leave before the police tell you that you can go. You need to wait and help them sort through what happened so that you can show this proof to your insurance agent. Finally, you should try to find proof that you paid your last insurance bill. If you have a receipt, that would be ideal. You need to be able to show that you paid everything off on time. If you did not, you may have voided your policy. This all depends on the exact details of your policy, so it is difficult to know for sure, but you should have this all in order just in case. You want to be able to force the company to pay you what they owe even if they refuse.
Hi! To lower your car insurance you should consider asking for a higher deductible. If you are a new driver (a teenager) you may be able to find teen car insurance discounts.
Every once in a while you will hear of a proposed law "Pay to Play" which says that if you are driving illegally without insurance that you can't expect to receive payments from an insured driver that runs into you. While I and many other people might like such a law, I have never heard of such a law that is in place at this time. So, if you are truly not at fault in the accident then I would imagine that you should be able to get payment from the at fault party.
The owner of the car is going to be held liable. And it won't do your daughter any good either, it will delay her being able to get a license.
The person will never be able to get a California d/licenes. He or She is responsible for all damages and more likely spend time in a correctional facility.