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Who is liable in washington state if an insured licensed driver hits an insured vehicle with an unlicensed driver?

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2011-08-04 23:34:17
2011-08-04 23:34:17

The At Fault driver always has the primary liability for the damages they cause in an accident. (The guy who rams the other guy).

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Both the Driver and the Owner are liable for the damages. The driver, whether licensed or not is the primarily liable party. The insured passenger owner is secondarily liable for damages by the unlicensed driver he permitted to operate his vehicle.

Why not. That unlicensed vehicle owner could be disabled and hired a licensed driver to drive the vehicle.

Unlicensed drivers cannot operate a vehicle on private property. The insurance for the vehicle will not allow unlicensed drivers. Most states require every vehicle in operation to be insured.

The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.

both, you for hitting the other vehicle and the other driver for being unlicensed

Yes, however I recommend the vehicle should be the named insured's vehicle as Oregon police force will harass you.

yes , just because they are not licensed or insured does not mean they cannot be an owner/ jt owner of a vehicle , however if they are an operator they obviously must be licensed and should be insured.the former not being a valid reason to raise your premiums since they are not a licensed operator

It all depends on the policy. If the unlicensed driver is a named insured and the policy is active then they will be covered. If the unlicensed driver is excluded from coverage then naturally there is no coverage for them. If the unlicensed driver is not a named insured and also not excluded, Then technically they still are not a covered driver, although, coverege may still apply under the owners auto policy depending on the circumstances of any accident and the owners liability under permissive use rules if the vehicle owner allowed an unlicensed driver to operate the vehicle.

Yes, as long as the vehicle itself is insured and the adult is properly licensed.

If you gave permission then it should be covered.

The injury would most likely not be covered under your auto because you let an unlicensed driver drive your vehicle when they cannot legally drive.

You need to be licensed, insured and properly inspected to operate a vehicle in NYC, and obey the rules.

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 the ATV travels on any public road/highway, then yes, the driver and the vehicle must be licensed ... and insured.

Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.

You are covered if you are a licensed driver regardless what they say. A leased vehicle is owned by the leasing agency not by the person who is leasing it. The terms of the contract will designate who may or may not drive the vehicle and nothing else applies.

Technically, the insurance company should cover the costs of the other vehicle. If the unlicensed driver took the vehicle without permission, the owner may even be able to collect on the collision insurance to cover part of their expenses, but if he/she does that he/she will probably have to show a police report that the unlicensed driver took the vehicle without permission and that it was technically, automobile theft. On the other hand, the insurance costs for the owner may to up dramatically whether the owner gave permission or not. It all depends on the insurance company and how they view the circumstances. The unlicensed driver may not be allowed to get a drivers license for several years, depending on state laws.

CA Vehicle code: 12500A -- unlicensed driver

They can not legally drive so the company would not be required to pay out on a claim.

The answer to your question depends on what the minor repair is, and whether the unlicensed mechanic is someone you know and trust. I would suggest that if you have taken your vehicle to a shop the mechanic should be licensed, and if you want any damaged to be covered under a binding agreement to go with a licensed professional.

As far as states go I know in Utah it is the vehicle not the driver that is insured.

No, if the other person is driving the uninsured vehicle, then that person is still covered by their own policy. But, if you AND the vehicle are uninsured, then it doesn't matter who's in the passenger seat.

You do not need to be the owner of the vehicle in order to be insured while driving the vehicle. Most states require all drivers of a vehicle to be included in the insurance policy.


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