What happens in California when a insured car with full coverage hits an uninsured car and totaled it?
There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.
The insured drivers uninsured motorist coverage should take care of it. Doesn't matter if property is private or not.
the uninsured automobile owner rhas to pay out of pocket for the damage
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.
Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.
Assuming that you are at fault for the collision but were uninsured, you would be personally responsible for the damages proximately resulting from the collision. "Fault" equates with the legal theory of "negligence". Negligence is the failure to adhere to that degree of care that a hypothetical reasonable person would use under similar circumstances. "Fault" could also be an intentional act that results in the collision; in that event, you would also be personally responsible… Read More
Comprehensive coverage does not apply to the driving of a car. It should be covered.
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property damage coverage on your policy. They only way you can recover is to take the person to court and get a judgement.
UM (uninsured motorist) coverage is not required in all states that require liability coverage. However, UM is an important coverage in auto insurance because it steps in and pays for your bodily injury (medical expense, lost wages, and pain & suffering) when you are injured by a hit-and-run, uninsured driver, or irresponsible driver who carries low liability coverage on their auto insurance. In another word, UM is a coverage for you and people in your… Read More
"Stacked" refers to uninsured motorist coverage, not to liability or physical damage coverage. In essence, if there are two cars in a household, both with insured motorist coverage, the uninsured motorist limits of the cars can be "stacked"--added together. Naturally, this will only make a difference if the severity of the injury and the clarity of the liability is such as to warrant that size of a payment to the insured. Keep in mind that… Read More
If you are an insured motorist and get hit by an uninsured motorist should you use your job's personal medical insurance or your auto insurance or both?
More than likely, you will begin by using your personal medical insurance. Medical expenses and lost wages can possibly be reimbursed through the uninsured motorists coverage. Uninsured/Underinsured coverage laws vary by state. Contact your insurance agent for a full explanation of how this coverage would work on your policy.
Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.
If your car is parked in a supermarket car park an d you RETURN to it and find someone has reversed into it am i insured for the damage?
If you are insured for 'full coverage' or possibly 'uninsured motorist', yes. In a standard liability policy you would probably not be covered.
Can you get insurance co using the UM PD to pay for hit and run damage when you did not get the license plate and also you are not insured with Comp and Coll coverage?
UM PD (Uninsured Motorist, Property Damage) may not cover hit and run because this coverage kicks in only when the other party causing the accident is legally uninsured. Since there is no evidence that the other party was legally uninsured then coverage is not provided unless the other hit and run vehicle is discovered and is ruled to be legally uninsured at the time of hit and run accident.
Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negligence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her… Read More
Uninsured motorist coverage is a type of first-party auto insurance that compensates one if he/she is injured in a collision due to the negligence of someone else who does not have bodily injury liability coverage. Essentially, it pays the same sort of damages as the at-fault party's bodily injury liability coverage would have paid if it existed. It only pays for compensable bodily injuries--not property damage. In many States, uninsured motorist coverage must be offered… Read More
Georgia automobile insurance law states that people who purchase insurance may "stack" - or add the coverage together for each insured vehicle - for uninsured and underinsured motorist coverage.
Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
Uninsured motorist Uninsured Motorist coverage (which is required coverage in many states) covers injuries that the driver and occupants of a car sustain when the at-fault vehicle was not insured for liability coverage. UM does not cover the physical damage to the vehicle. UMPD (uninsured motorist property damage), where available, covers that physical damage. UMPD is essentially similar to collision coverage, which is first party insurance that pays regardless of fault, subject to a deductible… Read More
In most states you can purchase under-insured motorist or uninsured motorist coverage that will kick in when the other parties insurance is depleted.
According to the Kaiser Foundation in 2009 of 303.3 Million people in the U.S, 17% are Uninsured. Of those insured 49% are insured through their employer, 5% through Private individual plans, 17% are on Medicaid or other Public Assistance, 12 % are on Medicare. According to instructors at Warner Pacific, a Brokerage that educates insurance Agents with their "School for Success" ...Prior to the PPACA (Patient Protection and Affordable Care Act) ... 33% of uninsured… Read More
If an insured truck driver from another state hits an uninsured motorist will the insured truck driver's insurance pay the expenses of the uninsured person?
Only if the truck driver was at fault.
If an uninsured driver wrecks the car of an insured driver is the uninsured driver still responsible?
If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.
third party liability coverage is personal liability coverage that protects the customer from damages they incur due to the wrongful acts of others when the liable person is uninsured or underinsured. The coverage is designed to cover bodily injury, property damage and personal injury resulting from occurrences not involving an auto in which a liable third party is at fault, but is uninsured or underinsured. For example, this would cover a policyholder if a dog… Read More
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… Read More
The question can be answered in a couple of ways: 1. Third-party coverage is sometimes called liability coverage. It provides benefits for third-party who sustains damage or injury due to the carelessness of the insured. In this context, bodily injury coverage within the liability protection will provide benefits to the injured party for his/her injury. Note, though, that it will pay only upon a finding that the insured was legally responsible for the injury, and… Read More
No direct answer, as this all depends of the level of cover of the insured driver.
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… Read More
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
If a uninsured car is parked and hit by an insured car will the insured cars insurance company pay for damages?
Only if the insured car was at fault.
This is actually ONE coverage, serving two different purposes. You will often see this expressed on a declarations page as UM/UIM. Uninsured motorist coverage is self explanatory. YOUR uninsured motorist coverage on YOUR policy will pay for damages to your insured automobile when an 'at fault' vehicle does not have any insurance coverage to pay for your damages. UIM is UnderInsured Motorist coverage and would be available when the damages to -your vehicle exceed the… Read More
As far as states go I know in Utah it is the vehicle not the driver that is insured.
If an insured motorist hits an uninsured vehicle and the insured motorist claims it is their fault who will pay for the uninsured vehicle?
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered owner is liable for the damages to the other pwesond's vehicle.
what damages? to the car? if the car is insured that insurer (assuming coverage is available) will handle that damage, if you mean you were injured driving an insured vehicle....it depends on a lot of things...more info regarding status of drivers, vehicle, fact of loss, etc.....and perhaps i can be of more assistance...
An Additional Insured is only used for General Liability coverage. Since Business income is a property coverage, they would not be insured. Also, business income is designed to pay for loss of income to the insured, not lienholders, or contractors they are performing jobs for.
In New Zealand if an uninsured drivers car is hit by an insured drivercar will the insured drivers insurance still pay for the damages to the uninsured car?
In most cases if you are fully insured then your insurance will pay for the uninsured driver's car. However if it is only a third party insurance then most likely you have no cover if it is your fault. However it depends on the insurance company and the policy that you signed.
If it is the uninsured driver's fault in the accident, you can still file a lawsuit against the uninsured driver but you'll only be able to recover from their personal assets, which in many states won't be much because many states allow you to shield many personal assets from this sort of recovery. You will also be filing a claim against your own Uninsured Motorist (UM) coverage on your insurance policy.
If they drive with owners permission, yes. The owner may lose their ability to keep insurance if they allow a persn with a bad driving record to drive and they have an accident.
Anyone driving in any state is required to be covered on the insurance policy of the vehicle they're operating, whether named on the policy, or covered by uninsured motorist coverage on that policy.
If an insured person allows an uninsured person drive her car and the uninsured driver has an at fault wreck who pays?
The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver
Stacked coverage means that you may combine your coverage limits for each automobile insured under your policy. For example, if you insure three cars and obtain stacked coverage with limits of $10,000 per person and $20,000 per accident for each auto. Your stacked, or combined, coverage will total $30,000 per person and $60,000 per accident. If the coverage was unstacked, then the limit of coverage for each vehicle would be $10,000 per person and $20,000… Read More
Is your car insured? Did the driver have your permission? more that likely there will be coverage, (subject to any policy exclusion), but you will obviously have rate increases that will take many years to clear up. If your vehicle is also not insured, you will more than likely be held (assuming driver had permission), equally responsible for all costs, not to mention fines, loss of plates etc.
No, homeowners insurance does not provide coverage nor warranty for our chosen contractors quality of workmanship. That's why we always want to verify that a contractor is insured before allowing them to start work on our home. The first sign of a reputable contractor is that they carry the appropriate coverage for the work or services they offer. Never hire a an un-insured contractor.
Collision insurance will cover the damages to your vehicle- no matter who is at fault. Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering). Liability = Other vehicle damage Injuries to driver/passenger in other vehicle Injuries to passengers in your vehicle if you… Read More
If you are "Uninsured", then you are "uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers… Read More
No according to the law (which may be different from state to state) The uninsured motorist is always at fault
assuming you are insured, you still file a claim with your company (again assuming you have collision coverage on your vehicle) they will repair your car under that coverage and attempt to collect or subrogate the at fault party.....if you are uninsured some states (mine-Missouri) you can file a state report ask for an adm. hearing to determine fault for the loss and get a judgment for that loss........beware however if you are uninsured and… Read More
An insured driver is driving an uninsured vehicle that they own and have an accident causing property damage. With whom should I seek payment?
Damages should be sought from the at fault party. Failure to add the owned vehicle to the auto insurance policy has left the driver apparantly uninsured in that vehicle. The claimant may need to rely on uninsured motorits coverage. The insurer may offer a grace period for newly acquired vehicles. both drivers should contact their insurance company as it appears one may have no coverage in the accident.