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They can be sued by the other driver for damamges (if At Fault). If not at fault, they may have a very difficult time getting insurance in the future and when they do, the premiums will be through the roof.

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โˆ™ 2006-03-16 02:09:43
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Q: What happens when a licensed driver gets into an accident and does not have insurance?
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What happens if an unlicensed driver is driving insured car and has accident and not at fault?

You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.


What happens if an uninsured driver borrows your insured car and gets in an accident?

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.


If the owner gave permission to a licensed driver is the licensed driver still responsible to pay for an accident?

It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.


What happens if the driver who is not at fault for an accident does not have insurance in California?

Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.


How does the insurance company of a licensed driver look at an accident where the driver they covered is at fault in an accident where the driver not at fault has a suspended license will the insuranc?

It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.


What happens if a 16 yr old licensed driver in ca is driving a car without renewed registration or insurance?

If stopped or in an accident they will be arrested and the vehicle will be impounded. This is the only answer I can give you.


What happens when you have a car accident with a driver that has no vehicle insurance?

I hope you had insurance for this. The uninsured motorist will probably be broke


Does insurance pays claims for under age driver accident?

Ordinarily, an auto insurance policy will require that the driver be licensed as a condition of coverage. Therefore, absent extenuating circumstances, probably not.


What happens if you are in an accident with an unlicensed driver?

Most cases you get jailed if the accident is severe. If its not too much you get a ticket for driving without licensed driver. Depends on country to country though


What happens if an excluded driver on your insurance policy cause an accident but you let them drive?

The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.


What happens if a driver with a suspended license the registered owner's insurance pay?

What are you asking? Have you had a motor accident? Did the other driver have a suspended licence?


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.


What happens if the other driver in an accident denies liability?

Never admit to liability in an accident. Exchange your details and let the insurance companies deal with it.


What happens to you when a driver with a suspended license gets into an accident in your car?

Your insurance rate goes sky high.


What happens when you get hit by an uninsured driver who is completely at fault and he gets insurance the next day and wants to put it on insurance?

If the insurance is not valid on the day of the accident, there is no coverage.


What if a unsured licensed driver is driving an insured car and causes an accident?

Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.


Is a non licensed driver insured?

Yes and No. No insurance company will ever insure an un-licensed driver. However, if a non-licensed driver is in an accident, where not at fault, with another driver who is insured, that insurance may still cover the injuries of the non-licensed driver. This is very tricky, though. Some states have a type of fault where if you were partially at fault for the accident as well, you may have your damages reduced by the % you are at fault; other states will determine that if you are 50% at fault, you get nothing. So, if a state were to determine that you being un-licensed to drive was worth 50% of the fault (that is, you should never have been there for the accident to occur at all), you might not get any coverage whatsoever. So, it depends on whether or not (and to what extent) you were at fault, and what your particular state's policies are for liability.


What happens if the driver of a vehicle gets a dwi on your insurance?

Your rates shouldn't be affected, as long as he wasn't in an accident in your car.


What happens if someone without insurance gets into a car accident?

There are legal requirements that all drivers be insured- as well as licensed and carrying proper registration documents- separate from the driver"s license and of course obligatory license plates.


Can a 23 year old as a licensed driver be covered on parent's auto insurance policy?

Sure, The policy owner can add any driver to their auto insurance policy, In fact, If you are a regular driver the owner is required to disclose such and list you as a scheduled driver, otherwise the insurance company could deny coverage in the event of an accident involving an unscheduled driver. It does not matter if your related or not.


Does insurance cover an accident if the driver has a learners permit when there is not a 21-year-old person with a valid drivers license in the car?

Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.


Would the insurance increase if the driver has an accident with learners permit?

It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.


What happens if you are insured and the accident is for the most part your fault but your license is expired?

== == You are OUT OF LUCK. Every auto insurance policy REQUIRES any driver to be properly qualified and LICENSED by their home state. An Expired license is NO LICENSE, at all. No License, no coverage. No coverage, equals YOU PAY the entire costs of the accident, plus you will have a really hard time getting insurance again.


What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?

They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.


What happens when both parties of an accident have the same insurance carrier but the driver who was not at fault had expired plates in Wisconsin?

Your expired plates should not cause an insurance claim to be paid.