The uninsured part would mean that the person or persons responsible would have to pay for it. If they have an accident in someone elses car they will probably be questioned in court.
They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.
If you are hit by an Uninsured Driver you should take the following actions- Contact the police, get information from and on any witnesses that saw the accident and get photographs of the vehicles and the accident scene. Another important step to take beforehand of the accident is to make sure you have Uninsured Motorist Insurance on your Car Policy.
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.
If the accident was your fault and someone else was involved their uninsured motorist insurance will pay for their damage. The bad news is that they WILL sue for the amount they had to pay out.
then your both screwed
You loaned him the vehicle knowing your property was uninsured, that is usually considered a risk you accepted. It also subjects both you and the driver to certain fines and penalties. You could be held equally and seperately liable (100%) for anything and anyone he hit while driving your uninsured car with your permission. Never drive a car without insurance on it and certainly don't loan it out to others. You might have some luck in a small claims court as far as your property damage. just depends on what your agreement was when he borrowed it
Although it depends on your insurance, the driver is covered if driving with your permission.
Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.
You are still responsible for her and her decisions Legally the owner of the vehicle is going to be held liable.
Most no fault insurance laws protect the not-at-fault party. Your insurance will indemnify your loss and penalize the un-insured motorist. DO NOT make outside deals with an uninsured person after an accident as this limits your ability to make claim.
If they took your car without you permission, it is a vehicle theft. You would not be civily liable for an accident. Where the waters get muddied however, is if that person has driven the car with your permission in the past. He could use that as a defense in a criminal matter, because he could say that the permission to use the car "stands". It is doubtful you would incur any liabilty.
Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.
Yes as long as your policy has uninsured motorist coverage on your policy.
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
If the person driving was given permission then all coverage should apply per the provisions of your particular policy.
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
Even after receiving a car insurance quote, someone driving uninsured is still putting their lives and others in jeopardy and whether you have a license or not. Someone driving uninsured can bring on the risk of being arrested.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
Your insurance policy most likely has a clause that protects you up to a certin amount if you are in an accident with an uninsured driver. You can also hire a lawer and sue the other driver for any damages (along with lawer and court fees).
Only if the other persons insurance covers anybody who drives the car.
they are both screwed
My insurance canceled uninsured person hits someone in rear what happens to me
after what accident