If you accept the settlement from the insurance company, the van is theirs. If you want to keep it, they will let you, but will reduce the settlement check by the salvage value of the vehicle. Not true. Illinois law to deter chop shops states if the vechicle is totalled, the insurance compnay takes possession after issueing a check for the value. Vehicle has to be 9 or less years old.
Its your fault
There is no deductible for liability claims.
Yes, but proof will be necessary - determining fault. Some insurers like to mess with your head and question the "fault" and deny coverage. Get it in writing - possibly by the at-fault driver or YOUR insurance company. Here in Canada, even if you only have PLPD, if the accident is not your fault you are covered for repair, minus the deductible.
Yes. If the passenger is hurt in an accident caused by the driver, the passenger is fully entitled to sue the driver. In fact even if the passenger is a spouse of the driver, the passenger can sue.
you were the at fault driver for the simple fact that you did not have insurance. Which means you should not have been on the road in the first place. If you had'nt been on the road the accident would'nt have happened.
a fast car that you race with
No, but if involved in an accident, even when not at fault, the drunk driver would still be guilty of, and could be charged with, DUI.
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If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
the driver at fault