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Texas uninsured driver driving insured vehicle?


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Answered 2009-10-29 08:57:10

Is driving without insurance

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Uninsured driver driving insured car is he covered?

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.


If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?

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.


Is there a Penalty for uninsured driver with insured vehicle?

As far as states go I know in Utah it is the vehicle not the driver that is insured.


What happens when an uninsured driver driving an insured car got hit by an insured driver?

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.


Is an insured driver covered in an uninsured vehicle?

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


Can you drive uninsured with a insured licensed driver in the passenger seat?

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.


If an uninsured driver wrecks the car of an insured driver is the uninsured driver still responsible?

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


Will an uninsured licensed driver be ticketed when driving an insured car in an accident?

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.



What does an uninsured driver do when hit by an insured driver?

There are many questions to be asked with this question. Are you saying an uninsured driver, driving a vehicle with no insurance? First of all you hope that the insured drivers insurance company accepts liability for the damage. If they don't then your only hope is to get a lawyer and take them to court. If you can't afford a lawyer then small claims court may be an option. For a bit of advise, don't drive uninsured.


What happens if an uninsured driver borrows your insured car and gets in an accident?

Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.


Does uninsured motorist coverage cover an uninsured driver of the car in a single car accident?

No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy.


Involved in a not-at-fault accident is it your fault or the owner's for driving their uninsured car if you thought it was insured?

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. AnswerThe 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.


Does your insurance company covers you if the car you're driving isn't insured?

Maybe, (barring any exclusions in the policy), if an insured driver, drives an uninsured vehicle, many/most times their policy will kick in. However not always !! Sometimes, it will only come in for the first party damage. Many many questions would have to be answered (ie, do you drive this uninsured vehicle often? was this a one time thing? how long has this vehicle been uninsured? why were you driving it? and of course the facts of loss, re: are/were you negliegent, and at fault to begin with?) If you have had a loss/accident while driving an uninsured vehicle, turn the claim in to your carrier, immediately. If you haven't and are just wondering, I would NEVER on purpose drive an uninsured vehicle.


What does an insured driver with liability do when they hit an uninsured driver?

your insurance contract will say something like, ''promptly report all losses'' you should report it to your company..........it doesn't matter that other vehicle is uninsured.......if you are liable you are liable, and owe for his damage, whether or not he is insured......


What do you do when an Uninsured driver hits an insured driver on private property?

The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.


Insured motorist hit uninsured unlicensed driver - who's responsible?

both, you for hitting the other vehicle and the other driver for being unlicensed


If an uninsured driver of an insured driver's car has an accident caused by weather and another driver is damage to the insured car covered?

How is the driver uninsured? If he had permission from the insured vehicle owner to drive? There are policy exclusion that apply but most generally that person is considered as an insured driver. I will assume (for the purpose of answering your question) by uninsured driver you mean they have no policy of their own. Are you asking if weather conditons contributed to the accident (say wet/slick road) and they slid into another vehicle is the insurance on the car responsible for the damage to the vehicle they slid into? Yes, probably. Insurance stays with the car. If you could provide more detailed information regarding the driver, and facts of loss, I could be of more assistance to you.


If an uninsured driver lives in your house are you responsible if they have an accident?

There are 3 possibilities: You ARE responsbile (or partly responsible) If (1) the un-insured driver is a minor and you are their parent or guardian (2) you are the owner or part-owner of the vehicle they are driving (3) the un-insured driver is on your insurance. Other than those factors, you would not be responsible for them.



An insured driver is unknowingly driving an uninsured car and has an accident The owner of the uninsured car is injured Who pays for the uninsured owners injuries?

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.....


Does insurance pays for a comprehensive insured car driven by an uninsured driver?

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


What if an uninsured unlicensed driver is driving an insured drivers car causes an accident with bodily injury?

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.


Can you drive an insured car without insurance?

If you are "Uninsured", then you are "uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers of a motor vehicle on public roads are required to carry proof of financial responsibility at all times.


If an uninsured driver has an accident in an insured car how can you sue the insurance for damages?

what damages? to the car? if the car is insured that insurer (assuming coverage is available) will handle that damage, if you mean you were injured driving an insured vehicle....it depends on a lot of things...more info regarding status of drivers, vehicle, fact of loss, etc.....and perhaps i can be of more assistance...


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