you would be the payer of the damage done to your own car.
Driving is considered a privilege and not a right. Because it is a privilege drivers are required to prove they are financially responsible. Mandatory auto insurance is proof that drivers are financially responsible to cover damages or injuries in the event of an accident. Because most drivers cannot reasonably pay for the cost of repairs and medical bills they cause in an at fault accident, states require auto insurance to protect both third party drivers and the policyholder.
You both are in trouble. You mentioned that you were rear ended. The other person should have been ticketed for being at fault in the accident . You should have been ticketed for failure to have insurance. The DANCE has just begun. Hopefully no one was hurt. This may lighten your load.
Interesting. My best guess is that you will be ticketed for the accident, and the driver of the other car will be ticketed for not having the kid strapped in. As far as fault for the kids injuries lies, ultimately with you. If the accident had not occured, the kid would not have been hurt. Both you and the other driver are going to get fined, but I think you are going to get the worse end of the bargian.
Interesting question. Since the both of you are uninsured, the person who is at fault should pay for the majority of damages incurred. Keep in mind that they can only pay in good faith, If not, you can file a lawsuit, however if the police were not called, this will make it even harder.
If both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.
Yes, both drivers will see an increase in premiums.
In a accident you will have to take down the car number, make and model, the other drivers name and address, and also the damage done to both the cars.
Most insurance companies will not pay the other driver if the police report states that both drivers were at fault. In general, courts just tell everyone to repair their own damages.
If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your....and vise virsa.
If it was your fault then your freind is liable for the damages. If it was the other guys fault then his insurance will pay for it. Keep in mind, while legally it is the owners responsibility for the damages, he can sue you if he wanted to.
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.
The at fault party is still liable to pay the damages. Added: Both parties will probably be cited for driving without insurance as well.