Take them to small claims court for the damages. If they didn't have permission, you should have reported it stolen and had them arrested.
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.
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
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.
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 a coverage that would pay for damages to your friend's vehicle if you had been involved in a hit and run accident in which the unknown driver is at fault or if the other driver is known, is at fault and does not have insurance.
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.
This can depend on how the owners policy is written and the state laws. Some policies will not cover anyone that is borrowing a car even with permission.
then your both screwed
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.