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.
You guessed it!
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.
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.
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.
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.
Yes because you where still drinking
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.
The at-fault driver's insurance will pay for all property and bodily injury damages.
The at fault party is still liable to pay the damages. Added: Both parties will probably be cited for driving without insurance as well.
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.
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.
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.
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.
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.
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.
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.
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.
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.
No Drink Driving is breaking the rules and your own choice
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.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
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.
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.
Although it depends on your insurance, the driver is covered if driving with your permission.
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.