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Auto insurance follows the vehicle primarily, not the person. The problem is going to be that I will guaranty that the person is not listed as a driver on the insurance policy for the car he was in. Most likely, the company will pay your claim with no problem as long as you don't appear to be looking for more than your actual damages. The could determine that the policy owner committed material misrepresentation by not listing drivers and deny the coverage to the person. This would leave you with suing the person who owned the car and the driver yourself to try to collect damages.

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Q: What happens when you are in an accident and the other person has no licence or insurance but the vehicle he was driving has insurance?
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Related questions

What happens when an unlicensed driver causes an accident?

they get in jail for not having a licence and driving.


What happens if you get in a car accident and you have insurance but no license?

If you have no licence you are driving illegally.Any insurance you may have taken out becomes null & void.Basically you arent insured even if you pay the premiums.Get a licence as you could end up with a law suit if you were to have an accident & hurt someone.As youre breaking the law, you could end up with police on your case too!


What happens if you are in an at fault accident and you have a suspended licence and no insurance?

You start looking for a good lawyer or a great priest.


Drove on a suspended licence and had a car accident not your fault what happens now police know all i live in qld?

You will probably receive a citation for driving while suspended. If you were not at fault for the accident, the other party involved should have insurance that will cover your loss or damage that resulted in the accident. It is a good thing that you were not at fault in this accident.


What happens when a person with a suspended license is involved in an accident in another person's car and is at fault?

You will most likely be charged with driving with a suspended licence. The owner of the car u were driving may get in trouble if he knew you did not have a licence and let you drive anyway, however if he didnt know you did not have one then nothing will happen to him. His insurance should (if he has insurance) cover the other guys car and his as well if he had full coverage.


Can you get your car registered or get insurance if your license is suspended?

For your safety, wait till the suspension of your driving licence gets revoked.If you are already having a car insurance policy,and your car is entangled into an accident during suspension period, you wont get any insurance claim from the insurance policy. You may also be trapped into police interrogation for driving with a suspended licence.


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?


What happens if you get in an accident and the other driver does not have a drivers license?

If they don't have a licence they won't have valid insurance. Your own insurance company will advise; in the UK there is a pool to cover this, but it'll be different elsewhere.


What happens if you are in an accident and the other party is at fault but you are driving on an expired license?

If, during the precedings, you are picked up your licence then a separate matter will start up.


How many points would you receive on your driving licence for driving with no insurance?

6 points


What would happen if you have a car accident but have no driving licence?

you woul go to jail.


Why do you need a car licence?

In the UK, you need a driver's licence to prove you have passed the driving test. You need to pay road tax to entitle you to drive on the road. You need driver's insurance in case you have an accident, or are being sued by a third party.