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What if an owner of a vehicle has no insurance but the driver does and gets into an accident?
It depends on your policy and the state that you live in. In most states the insurance follows the vehicle and not the driver. Therefore, the driver having coverage on another vehicle will most likely do you no good. The only coverage that may transfer is medical payments which may pay if the driver had injuries but even that will not pay for anyone elses injuries. Medical payments will pay if you get hit by another car will walking across the street. Remember that state laws will determine some of these facts. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.
What else can I help you with?
Who is responsible for a accidents costs the owner of the car or driver?
the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver
What happens when a unlicensed driver has an accident what happens to the registered owner's?
When an unlicensed driver has an accident, the registered owner of the vehicle may face legal and financial consequences. The owner could be held liable for damages resulting from the accident, especially if they knowingly allowed the unlicensed individual to drive their vehicle. Additionally, the owner's insurance may not cover the accident, leading to potential out-of-pocket expenses. In some jurisdictions, the owner could also face fines or penalties for permitting an unlicensed driver to operate their vehicle.
How do you find vehicle owners car insurance if the vehicle was being driven by someone other than the vehicle owner?
The owners name and address should be listed on the accident report as well as the driver of the vehicle and who was at fault in the accident.
Can the driver of the vehicle get insurance if they are not the owner?
Yes.
If a person has permission from you to drive your car and then has an accident can the damage be claimed under their insurance instead of yours?
No, the vehicle's owner's insurance is liable. The insurance is on the specific vehicle, not on the driver. It does not seem fair, but that is the way it is. Nathan C
What happens if an uninsured driver has an accident in your car?
Both the "Driver and the Vehicle Owner" can be held jointly and severally "Liable" for an accident. If the driver of your vehicle was at fault and had the permissive use of your vehicle, Both the driver and the vehicle owner can be sued for damages and injuries. The driver, If at fault, would be financially liable because he was the direct cause of the accident. The vehicle owner is financially liable because of fault through the owners negligence in allowing an uninsured driver to operate your vehicle. The legal rational being that had you not allowed this uninsured person to operate your vehicle, the accident would never have occurred. So the owner is also a direct causation factor in the accident through the owners negligence. It's not a good idea to let people drive your vehicle if your not sure your insurance will cover them, Basically it is the responsibility of a vehicle owner to insure that all permissive use drivers are covered. As the owner you can be left with the bill for all damages and injuries sustained as a result of your choice to loan out your vehicle.
If the driver of a car is liable for an accident who is liable the owner of the car or the driver's insurance company?
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
In a vehicle accident with property damage whose insurance is responsible the driver's or the owner's?
The registered owner is only required to furnish liability insurance. If the owner does not have sufficient coverage (liability, comprehensive or collision), then the driver's policy would invoke as secondary coverage. It's not nice to borrow someones vehicle, wreck it and then claim ""not my responsibility". after all, you did borrow the vehicle.
If an insured driver with permission from an insured car's owner gets into an accident will the driver or the owner be responsible for payments?
the owner of the car with insurance will be responsible
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 an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage?
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
Who would be liable if you were driving a friend's vehicle and got into an accident and they did not have insurance?
The driver's insurance would then be considered "secondary," meaning if the owner of the auto didn't have insurance, then if the person driving the car had insurance, they would be liable.
