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Answered 2010-11-06 22:30:16

Their insurance would be primary and your insurance would be considered secondary when filing a claim.

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If the police came out and made a report of it then it will be on your driving record. It will be a not-at-fault accident but it will still be on your driving record. If the police did not come out but your insurance knows about it then it will be on your CLUE report and be a not-at-fault accident.


Well, I would assume so. You were driving the car, and you were in control. If I am right, you can't blame your driving school for the accident. So in my personal opinion, yes, it is your fault! :[


While your insurance company only cares who pays the insurance policy, the DMV doesn't care who owns the car. The driver who causes the accident will have it show up on his/her driving record (if there was a ticket issued).


Yes. But the other person's insurance company has to agree they're at fault, you can't count just on the report. The only penalty to you is if the police gave you a ticket. The insurance companies don't necessarily look to see if you have a license but instead what happened and if you could have avoided it or not.



Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.


Sure you can. But you will be held resposible for the accident. In otherwords, you will be held at fault, or as the cause, of the accident.


No, if their license was suspended they should not be driving, if they are involved in an accident and are at fault the other person can go after you since it is your car and then you are liable.


An at-fault accident and other traffic violations will stay on your driving record for 3 years, but your insurance company may charge you higher premiums for 5 or more years.



It would be the person driving fault because it is like the same thing as driving and hitting someone.


Well Someone will sue you and the insurance will do something about it!


The at-fault driver's insurance will pay for all property and bodily injury damages.



The accident will show but it will be marked as a not at fault accident and should not increase your insurance rates.


I believe it could be both persons fault. If you're driving and someone decides to jump in front of your car it's not you fault. If you're driving and aren't being careful or just can't stop in time, than it's your fault. -Bobbbbbbbbbbbbbbbbb


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.


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.


No it is not a no fault state. Ohio is a tort state meaning that someone must be found to be at fault in each accident.



You can automatically be at fault in an auto accident if you are the only driver involved; you were the driver who was not obeying the speed limit; if you were the driver who was not using safe driving rules; if you were breaking a law; if you were impaired. The most common cause for automatically being at fault is driving too close to the car ahead of you for the speed you are going and driving over the speed limit. None of these conditions are 100% automatically your fault but very close to that, especially if others involved in the accident were not doing any of the above.


No, why would they be unless it was a company vehicle? If it was your fault, your companies insurance would pay, if it was someone elses fault, they would be held responsible. No reason to pass off blame to someone who wasnt in the car with you, should have been paying attention.


== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.


With only your brief description of the accident it would appear that "someone" is at fault, but there are a lot of unknowns in the equation. Like, was there a stop or yield sign or did this happen at the uncontrolled intersection of two public roads? Were you driving "straight ahead" on a private road and they "pulled out in front" on the street?


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.



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