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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.
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.
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.
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
Driver become subject to 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.
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.
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.
