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2006-10-09 20:53:54
2006-10-09 20:53:54

The answer should be yes to both parts of the question. You should notify them.

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Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.


The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.


The unlicensed driver is responsible for all damages. If they are a minor the parents may be forced to take responsibility. Sadly, the owner of the vehicle MUST make any insurance claims they are eligible to make. The owner can ask the unlicensed driver to pay any excess on the insurance and even take them to court if they refuse to pay it. The driver of the vehicle is responsible to pay any amounts not covered by the vehicles owners insurance, including damages to the car. If the insurance premium goes up or you loose your no claim bonus then I'm sorry but the driver is not liable for that. If the unlicensed driver drove the vehicle without permission from the vehicle owner then the vehicle owner must report that the car was stolen at the time of the accident, then provide the insurance company with the police report number (you can tell the police you don't want to press charges). Under these circumstances even if the insurance company pays out damages for the vehicle they may chase the unlicensed driver to pay them back.


If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.



After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.


Generally, the owner of the insured car is held liable for any damages or losses involved after an accident. So if you want to file a claim for compensation after a crash, it is better to file it with the owner of the insured car or his insurance company. The adult unlicensed driver however, can be held liable criminally if there was death or injury involved.


Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now wants me to fix her automobile. What are my rights in this situation?


They both are. The logic being that the unlicensed driver shouldn't have been there in the first place, and would not have been involved in the accident if they'd been in compliance with the law.


The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.


Any accident can cause your insurance to go up even if it wasn't your fault.



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.


It shouldn't ... normally insurance companies do not report the accident to the police authorities unless a death is involved. However, since you reported the accident to your insurance and if you are at fault, it may cause your rates to increase.


This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.


Medics , police, insurance company, family are to be called.


Contact the police, call for help, and call insurance.



Some do. I work for an insurance company and many will take ownership of the accident.


In order to make an accident insurance claim, one must provide the details of the accident and, if relevant, who was involved. The date and time of the accident and the extent of the damage are also necessary.


Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.


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.


Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.


If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.


Not unless there are unusual circumstances. Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.



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