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If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.

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โˆ™ 2010-12-05 22:11:39
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Q: What happens if you are hit by an uninsured teen driver and they are found to be at fault?
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What happens if an uninsured unlicensed driver is driving your uninsured car and has an accident?

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.


What happens when an uninsured driver driving an insured car got hit by an insured driver?

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.


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.


Who is at fault for insurance purposes in a hit and run and I was the victim?

In a case that is like this, the insurance company can pay under uninsured motorist and attempt to collect when the hit and run driver is found. Although it is not your fault the insurance company will keep a record and note if you have a repeat of this happening.


Understanding Uninsured Motorist Insurance In New Jersey?

New Jersey requires that drivers hold uninsured motorist insurance because of the number of drivers in the state who are on the roads without proper coverage. This type of insurance will cover the damages that are caused by another driver in an accident if that driver does not have insurance. Many insurers will also include coverage in the case of an underinsured driver who does have insurance but whose policy does not pay enough to cover the damages that are incurred. Uninsured motorist insurance will help to make up the difference in compensation between what a driver should receive and what the negligent individual can pay. It does not provide extra money above what the main insurance policy would normally pay. One of the key elements that can dictate whether a driver will receive money due to an accident with an uninsured driver is the issue of liability. New Jersey has comparative negligence laws in place. This means that the fault for an accident can be placed on more than one individual. The uninsured driver must be found to have a larger portion of negligence than the driver with insurance. If the policyholder is found to have the larger portion of fault in an accident then the uninsured motorist coverage will not be applicable. The actual definition for who is an uninsured driver in New Jersey is not always clear and can actually be applied to a broad range of individuals. A person is considered uninsured if they are not holding any liability coverage. A person can also be considered uninsured or underinsured if they have some form of liability coverage but the amount of the policy is not enough to pay for any damages that have been caused. Another definition for an uninsured motorist is a person who had insurance when the accident occurred but then subsequently had their claim denied so that no payments are made to the victim of the accident. Some situations can occur where the person who is at fault for an accident is not present after the accident or is completely unknown. Uninsured motorist insurance in New Jersey will pay for the damages that were caused by an anonymous individual if there is some evidence that the covered driver was not at fault. This can help a driver to regain the use of their vehicle quickly and pay for medical bills but can also lead to a long litigation process once the individual who caused the accident is found.


Will your insurance rate go up if an added driver gets into an accident?

If that driver was found at fault, then usually it would.


When does a tsunamis happen?

A tsunami happens when a fault or underwater earthquake happens. Hope you found this info useful.


Who is at fault if driver a was changing lanes and driver b who was already in the lane hit each other Damage is to driver a's car above front left tire and driver b's car above the back right tire?

Generally the car making the movement, in this case 'A', will be the driver found at fault.


You were uninsured and involved in a hit and run The at fault driver was found and arrested What bearing would you being uninsured have in filing a claim with their insurance?

With the police report in hand, and it showing whose fault the accident was, contact the arrested drivers insurance company and make application for a claim. Chances are though, that the other person doesn't even have insurance, or a driver's license. Why else would someone hit and then run? To avoid being caught without the license or insurance. If that driver has no insurance, then about the only thing you can do then is file a suit in court for restitution. You might be awarded the costs of repairs, but the defendant may not have the means to pay what is owed to you. Sending that person to jail only compounds your issue.


Will an uninsured licensed driver be ticketed when driving an insured car in an accident?

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.


Other driver found at fault but I got DUI due to drinking anyway in Colorado?

Te other driver may have been found at fault for the accident, but your charge of DUI is a separate offense. It is against thw law ANYWHERE to drive under the influence, whether you get into an accident or not.


If someone without insurance is found at fault when they hit an insured driver how do you get payment?

You can do a couple of things. First, you can file a civil lawsuit against them. Sometimes you will get your money and sometimes you wont. Another thing you can do is check your policy or call your insurance company and see if you have uninsured coverage. If you do, you can get your own insurance to cover the damages.

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