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What if you are insured on a car but a named driver has an accident will it effect my personal insurance quotes in future if i get insurance of my own?
Wiki User
∙ 12y ago
Hi;
The answer in Ontario Canada, is yes. I believe the Canadian AND US insurance industries are united within this circumstance. The policy holder is responsible for everyone he/she accepts as second/subsequent drivers. If however YOU are the second driver named on a insured policy, and you opt to carry your own coverage, then it will not affect you as you are not the policy holder. A word from the wise. If you do not own the vehicle involved in the collision, then you are not held responsible as such.
If you really want it from the horses mouth, call your provincial/state insurance association. They have ALL the rules, and will probably be happy to send you a brochure of the r and r's.
Best regards,
Unidrv.
Wiki User
∙ 12y ago
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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
What is the responsibility of a non-insured driver when involved in an automotive collision?
A non insured driver may be held liable for the accident. Insurance is a requirement in the majority of states.
If an insured driver was driving your uninsured car would their insurance cover an accident?
Only if the driver was responsible and only for his liability
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.
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 an insured driver under the age of 18 is involved in an accident can they claim insurance?
Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.
Can a fully insured driver drive an uninsured car?
It will depend on the driver's car insurance company. In case that driver gets into a car accident, it would be presumed his car insurance will step in to settle the damages.
How long will your license be suspended for uninsured driver in an accident?
Until you obtain auto insurance and prove to the court that you are now insured.
What happens if an uninsured driver causes an accident in an insured car?
Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any damage done by it.
Can you sue an uninsured driver that was completely negligent for the auto accident?
Anyone can sue anyone. Insurance merely stands in the shoes of the Insured and makes payment on his or her behalf. If that person has no insurance, they would have to satisfy any judgment or award from personal funds.
What insurance covers medical bills in an accident where someone not on the cars insurance was driving and wrecked?
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
Will insurance pay for an accident if you aren't insured with a permit?
Is this about an auto accident? Are you a young driver who didn't yet have a regular license and was driving with only a learner's permit? What do you mean "you aren't insured"? Drivers aren't insured; vehicles are. Was the car insured or not? If not, what were you doing driving it, and what makes you think there's even a remote chance that insurance will pay? (Unless you're talking about the other driver's liability insurance -- assuming there was another driver.) Or are you some sort of contractor who was working on some sort of job without a work or construction permit?
