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.
You need car insurance to protect yourself in the case of an accident. Insurance will pay for the medical bills related to your recovery and will also protect you from being sued if you are at fault for the accident.
Usually, one of the insurance companies pays for the rental car.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Yes you can.
Car insurance and possibly health insurance if the car insurance does no cover the entire bill.
Insurance companies which have car insurance policies usually have information on car accident compensation. Also law firms which handle cases like this probably have information.
If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK - the answer to this is "yes". The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury even when only one vehicle is involved in an accident. See the related link entitled "accident car insurance" to see all the types of vehicle insurance you can have in the UK and what type of liabilities each type of insurance will meet.
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In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.
It is good to tell your insurance company within 24 hours of the accident. This way you can receive money from your insurance company soon so you can get your car fixed.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.