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Uninsured driver driving insured car is he covered?

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2010-11-07 16:33:06
2010-11-07 16:33:06

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.

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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.

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

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.

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.

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

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.

Only if the driver was responsible and only for his liability

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.

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

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

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.

Only if you added this person to your policy, otherwise he/she is not covered. Usually, the insurance agent will ask if there is anyone living in your household that would be driving your vehicle. At that point you can add this person to your policy or sign a waiver stating he/she will not be using your vehicle.

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.

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 you gave permission then it should be covered.

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.

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.

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.

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.


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