Uninsured driver not at fault in accident in Texas?
Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.
If you had an accident that was your fault you have uninsured motorist coverage the other driver was uninsured do you have to pay all the costs?
The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.
What happens if the driver who is not at fault for an accident does not have insurance in California?
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
Yes. It is the responsibility of the at-fault party to pay for the damage caused in an accident, regardless of the license or insurance status of the not at-fault party.
You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?
Its your fault
If in an at fault accident and you have no insurance and there is no injurys to either party and no police come and make a report what should the uninsured driver expect in California or any state?
The uninsured driver, assuming they are at fault, can expect to be pursued civilly by either the other driver's insurance company or the other driver. The uninsured motorist can be sued for damages and any other expenses incurred as a result of the accident, including court costs.
Can an insurance company representing a driver who wasn't at fault in an accident go after the lien-holder of the vehicle that was driven by an uninsured driver who was at fault?
Yes. See an attorney, before they sue you.
Whose fault is it if an uninsured driver slides down a snowy unplowed driveway into the illegally parked car of the homeowner?
The fact that the car was illegally parked doesn't matter. The driver of the moving car was responsible to adjust their driving to the road conditions, and to ensure it was safe to proceed. This accident will be the fault of the uninsured driver.
Bad things, will mostly likely get a few citation from police. If he is found to be at fault he could be liable for the damage.
They are at fault, even if that fault is shared jointly. That car is not supposed to be on the roadway, period. Therefore, it's assumed the accident would not have happened if that car hadn't been there. The driver will be cited for driving without insurance, and the car will be impounded.
The settlement would depend on the situation. If it is from a auto accident the settlement would depend on the limits of the at fault driver of the limit on the under of uninsured limits of the non fault driver.
Can a passenger in an uninsured vehicle that was at fault sue the driver of the vehicle that was hit?
Only if the other driver was at fault. If the driver of the uninsured vehicle was at fault, the injured person would have to recover damages from them.
Assuming in this instance the uninsured driver is the one at fault, he or she is still liable for any property damage & personal injuries that may have resulted from the accident. The injured party will make a claim against his or her uninsured motorist policy. But that insurance company can, and often will, sue the uninsured driver.
That depends how costly the accident was. If the other driver is uninsured I doubt anything. But if everything is legit and you go get an estimate and your insurance adjuster will discuss that for you.
If an unlicensed uninsured driver has consent of the car owner to drive in a lot and is in an accident does the driver at fault still have to pay?
Yes, (subject to policy exclusions and your state law regarding uninsured unlicensed drivers), the person that is negligent, at fault is the one responsible for the damages to the 'innocent' party. Regardless of their licensing/insurance in most cases.
If you are involved in an accident that is your own fault with an uninsured driver can the uninsured driver and its passengers claim on your insurance although clearly they have broken the law?
Yes they can. They can also sue you in a civil case. Remember, a major reason for having the insurance is to financially protect others from your wrong doing.
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
What happens when you get hit by an uninsured driver who is completely at fault and he gets insurance the next day and wants to put it on insurance?
If the insurance is not valid on the day of the accident, there is no coverage.
If you live in MN which is a no fault state and are found at fault in an accident with an uninsured driver will you personally have to pay for damage to their car?
no, YOU won't personally pay out of pocket, but your insurer will cover the cost, and then hike your rate unfortunately.
My husband was hit by an uninsured driver and he only got a 500.00 fine. Oh, and by the way, the UNINSURED driver just filed a claim with my insurance company, to try to receover damages to his car,WHAT about my damages? So, he is trying to get money in an accident he caused, and was driving around illeagally! How crazy is that! I suggest everyone keep full coverage insurance at all times to cover… Read More
If it is the uninsured driver's fault in the accident, you can still file a lawsuit against the uninsured driver but you'll only be able to recover from their personal assets, which in many states won't be much because many states allow you to shield many personal assets from this sort of recovery. You will also be filing a claim against your own Uninsured Motorist (UM) coverage on your insurance policy.
They can pursue him civilly, and the not at fault driver can also sue for damages.
You'll need to file an accident report, then notify your insurer of the loss occurrence. If your have collision or uninsured motorist coverage on your policy, your insurer can handle it for you. Your insurance insurance company pays you, they would then seek subrogation from the at fault driver.
What happens when you are involved in an auto accident and you are uninsured but the other vehicle is insured and you are not at fault but the other driver claims you are?
See this related answer: http://www.answers.com/Q/If_you_are_driving_without_insurance_and_are_involved_in_an_accident_that_is_not_your_fault_who_is_responsible_for_damages_to_your_car_What_legal_consequences_are_involved_for_the_uninsured_driver
Both the "Driver and the Vehicle Owner" can be held jointly and severally "Liable" for an accident. If the driver of your vehicle was at fault and had the permissive use of your vehicle, Both the driver and the vehicle owner can be sued for damages and injuries. The driver, If at fault, would be financially liable because he was the direct cause of the accident. The vehicle owner is financially liable because of fault… Read More
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part… Read More
Should anything be done by an uninsured driver who was rear-ended by an insured driver when only the insured driver had damage in Texas?
Proably not, except of course you need to get insurance, luckily this one wasn't your fault
Your own underinsured / uninsured (UM) policy is designed to pay to you, the policy holder, if an uninsured or underinsured person is at fault and causes injury to you but that's only if the other driver was at fault and you were injured. If you injured yourself in the accident (you were at fault), then your insurance will NOT pay pain and suffering awards. If they did, there would be many, many, many people… Read More
Who insurance is responsible if your daughter was driving her boyfriends car and got into an accident and the other driver did not produce current coverage but your daughters boyfriend did?
There are several issues here. Who's fault was it to cause the accident. Are you in a "no fault" state? Did the other driver have insurance or just did not have proof? Does the boyfriend have a uninsured motorist rider on his policy? These are questions that have to be answered before we can proceed.
What will happen if you are a passenger in a car that has a severe accident and you are severly injured The car is uninsured and the driver who doesn't own the car is uninsured?
If there was another vehicle involved and the accident was that driver's fault you can file a claim through their insurance. Otherwise, the only other place to go is through your insurance. You can use your medical coverage (if you have it) and you should have "uninsured motorist bodily injury" coverage that you can use.
If your at fault and you hit the other driver that doesnt have a license and uninsured who has to pay?
If you're at fault, you pay.
If in an at fault accident and you have no insurance and there is no damage to either party and the police was called to make a report what should the uninsured driver expect in California?
the apponent that does have insuranc eshould pay for any damages
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. Answer If 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… Read More
Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.
Texas is NOT a no-fault state for auto accidents. You can, however, purchase uninsured motorist coverage.
If an insured truck driver from another state hits an uninsured motorist will the insured truck driver's insurance pay the expenses of the uninsured person?
Only if the truck driver was at fault.
If you are driving without insurance and are involved in an accident that is not your fault who is responsible for damages to your car What legal consequences are involved for the uninsured driver?
Various state laws may limit what type of damages you can collect. Also, when you do start to shop for a policy your rates will be higher. In a no-fault state, each driver must seek compensation from their own insurer and your ability to sue for damages is limited.
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
An insured driver is driving an uninsured vehicle that they own and have an accident causing property damage. With whom should I seek payment?
Damages should be sought from the at fault party. Failure to add the owned vehicle to the auto insurance policy has left the driver apparantly uninsured in that vehicle. The claimant may need to rely on uninsured motorits coverage. The insurer may offer a grace period for newly acquired vehicles. both drivers should contact their insurance company as it appears one may have no coverage in the accident.
It is hard to say without all the details from the accident, but usually it is pretty clear who was at fault in the accident based on the facts and details. These can most easily be obtained from a police report, if there was an officer at the scene of the wreck. If the other driver is not primarily at fault, it will be difficult to file a claim.
What happens if you are driving an uninsured car and you get into an accident and it was not your fault?
The at-fault driver's insurance will pay for all property and bodily injury damages.
He will be left with a wrecked car! He will also have to pay for damages to any other vehicle(s) involved in the accident. However it can vary from country to country, but in the UK, not having Car Insurace is illegal, so the uninsured driver would be a bit screwed! I think in the UK you can even end up serving a short-term jail sentence for repeatedly dodging insuring your car. I'm not 100%… Read More
If you are uninsured and get hit by a drunk driver do you have to pay for his vehicle repairs in Washington state?
Are you saying that you are uninsured, and the drunk was at fault, if simply due to the fact that you were uninsured (and of no fault whatsoever), you have to pay for his vehicle? NO, the ''at fault/negligent" party is liable/responsible for the damages they caused due to their neglience. Subject to any laws in your state barring uninsured drivers/owners from recovery of damage. But just because you are uninsured (if not at fault)… Read More
If the insured driver is at fault then most likely his/hers insurance will be responsible. There is a fine line when it comes to a situation like this especially if you live in a no fault state. The only true way to know the answer is to talk to an insurance company/agent.
In North Carolina if you have liability coverage only and you damage a friend's car while driving it with their permission are you considered an uninsured driver by your friend's insurance company?
No. If you are driving a vehicle with someone's permission, they assume the risk of letting you drive it and therefore their insurance company also assumes the risk. Under the policy contract, you would be considered an 'insured' because you had permission to use the vehicle. If you were responsible for the damage to your friend's vehicle and the accident was your fault, the only coverage to file would be Collision Coverage. Uninsured motorist is… Read More
No, but if involved in an accident, even when not at fault, the drunk driver would still be guilty of, and could be charged with, DUI.
UM/UIM policies are in case you are involved in an accident with a driver who doesn't have insurance or doesn't have enough. This policy is only in the event that the uninsured motorist is at fault for the accident. it is not necessary on all vehicles but it might be a good idea.
If the other driver is at fault in a collision and does not have insurance can the claim be paid entirely under your uninsured driver coverage?
Yes - that's the point of uninsured motorist coverage. You'll be bound by the terms of your policy so review it. But generally yes, if the at-fault driver is uninsured, you can make a claim against your uninsured motorist policy. You'll have to prove the other driver had no insurance. Generally an affidavit of no insurance, or a letter from the most recent insurer stating the policy had lapsed or was in some way not… Read More
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… Read More
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.