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Answered 2006-07-05 23:49:26
Usually an at-fault accident stays on your driving record for 3 years. Therefore, the surchargeable accident will affect your auto insuranc premiums for 3 years. The surcharge begins at the renewal of your auto policy following the date of your accident. For example: You accident date was 7/15/2006 and your auto policy renews in August 2006, then the surcharge will be in effect until August 2009.
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What if someone is driving your car and they get into an accident and get hurt and they do not have car insurance is the owners insurance responsible for medical for the injured driver and damages?
You guessed it!
If you are driving without insurance and have an accident in which the other driver is at fault can you claim damages from his insurance company?
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.
Are there policies or companies that cover anyone driving your vehicle?
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
In Florida If you were in an accident and was excluded from driving the car and it was not your fault can the insurance co make the owner of the car pay for the damages on the other car?
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
If a car was in an accident and the person driving had no licensed but was not at fault will the other persons insurance pay for damages because they were at fault?
Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.
If you were drinking and driving but did not cause the accident is the other persons insurance liable for all your damages?
Yes because you where still drinking
What if my mot has run out and you have an accident?
You insurance will be invalidated and you could be prosectuted for driving without insurance or MOT. Needless to say you would have to pay for any damages at the least.
What happens if you are driving an uninsured car and you get into an accident and it was not your fault?
The at-fault driver's insurance will pay for all property and bodily injury damages.
Car accident and neither have insurance?
The at fault party is still liable to pay the damages. Added: Both parties will probably be cited for driving without insurance as well.
If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
What happens if other driver was at fault but l have license suspended and no insurance?
You will be punished for the violations that you have for driving with a suspended license and for driving without insurance. These punishments will be severe but vary from state to state. The violations on your part will not effect the fault of the accident and if the other party is truly at fault then their insurance company will pay for your damages incurred in the accident.
What should you do if your brother got into an accident driving your car and is not on your insurance policy and doesn't have his own insurance?
The claim will be made against your insurance and the company will decide if they will pay it. If they do, your rates will increase. If not, the responsible party will have to pay for the damages.
What happens if you drive someone else's car with no insurance and get in an accident?
You are the one legally in the care, custody, and control of the vehicle and therefore are the one who will be cited for driving without insurance. This is just the beginning of your trouble though. If you were at fault, you are also responsible for the damages done in the accident which may include injuries and damages to the vehicle you hit.
What could happen if you got in an accident with no insurance?
You are financially responsible for loss experienced by the damaged party. If you are unable to pay for the damages you may loose driving privileges and/or be taken to court in an attempt to recover damages.
If you have an accident making a left turn on a green light and it was considered your fault but the person of the other car was not suppose to be driving is their insurance liable for your damages?
No. In this discussing this with another person we came to the conculsion that you are still liable for the damages. We did think that you could take them to small claims court to collect for damages since they were not suppose to be driving.
Drivers become subject to the liability insurance law when accident damages amount to?
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
How do insurance companies know you had an accident?
1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.
If you are drunk but have an accident and the other party was at fault will insurance pay for your car damages?
NO your insurance will not pay because you were drinking and driving which is ILLEGAL. You were at fault. It doesnt matter if you were stopped and the other person hit you you were still driving under the influence. YOU SHOULD GO TO JAIL.
Does accident insurance pay out if accident is result of drinking and driving?
No Drink Driving is breaking the rules and your own choice
Who is responsible for damage done to a uninsured vehicle?
If you have an accident with an uninsured vehicle, you and your insurance company are still liable for all damages, even though the other vehicle has no insurance. The only thing that will happen to the other driver is a citation for driving with no insurance.
If someone is driving your vehicle which is covered with collision and has and accident and is at fault are you responsible for all damages and costs or will their insurance cover it?
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
If you have an accident while driving another person's car will your insurance or the owner's pay the claim?
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
If you are driving without insurance and are involved in an accident that is not your fault who is responsible for damages to your car What legal consequences are involved for the uninsured driver?
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
If someone is driving your car and you do not have them on your insurance and they get into accident are you covered?
Although it depends on your insurance, the driver is covered if driving with your permission.
Will your insurance cover damages if your daughter is driving your car and there's an accident and the other person is at fault?
Yes but with subject to Your daughter is not excluded from your policy, you do not have a "limited" policy, your daughter holds a driving licence and has not consumed any alchohol and the insurance policy is not void. The damages to your car and to the third party property of the person can be covered up to the limit specified in your policy.
