CAREFUL! You may still be liable for a charge of "leaving the scene."
To have had an "accident" generally implies that you struck SOMETHING.
What is it that you struck, who owns it, and did you notify them?
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
If you and your vehicle are in an accident, be sure to exchange phone numbers and addresses, as well as insurance, with the other party involved in the accident. Also, be sure that the police are notified of the accident.
They have to pay for your repairs themselves
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
The first course of action following an accident should be to contact the local authorities or police. Even if no other vehicle is involved there may be damage to anothers property as well as your own vehicle and a police report is helpful to have for claims that will be made against your insurance policy. In many states it is also illegal to leave the scene of an accident with any type of damage present whether it be property or vehicle damage even if your own vehicle, so contacting the police should always be your first course of action if your able to do so.
If a leased vehicle is in an accident, the lessor has to notify the lease company, along with their insurance company. Sometime the lease company will have you go through your insurance for repairs, other times they send you to their repair shop (if they have one).
yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.
You could be talking about Rob Moroso. Tammy Williams died in the accident as well, but she was not his girlfriend. She was the driver of the other vehicle involved in the accident.
If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be additional criminal penalties including fines and jail time.
It's up to you. In some ways it would be a good thing in case the person is involved in an accident. On the other hand, it may cost you a friend. MyInsuranceXpert