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As a Broker I say it all the time to my clients - ALWAYS be sure who is driving your vehicle and vice versa... know about the vehicle you are driving IN. It is your responsability as a driver to acknowledge insurance coverage and ask/request proof. (yes, even from your bestest friend!) The fault therefore technically on the driver depending on fault issues as well.

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โˆ™ 2006-04-11 10:48:23
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Q: Who pays when an uninsured vehicle is involved in an accident driven by someone other than the owner?
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Can you go to jail if you caused an accident with no insurance?

Yes,, You may be subject to arrest if you are operating an uninsured vehicle while involved in a traffic accident. This is often at the discretion of the responding officer.


What is UMPD coverage?

Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.


Will uninsured motorist cover damages caused if the other vehicle is stolen?

Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.


Is your insurance liable if your vehicle wasn't involved in a fatal accident?

If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.


If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?

If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.


What will happen if you are a passenger in a car that has a severe accident and you are severly injured The car is uninsured and the driver who doesn't own the car is uninsured?

If there was another vehicle involved and the accident was that driver's fault you can file a claim through their insurance. Otherwise, the only other place to go is through your insurance. You can use your medical coverage (if you have it) and you should have "uninsured motorist bodily injury" coverage that you can use.


Can you file a lawsuit against the state if an uninsured motorist wrecks your vehicle?

No. The state is not responsible for the accident or the driver. You can file suit against the uninsured motorist.


How much damage does a uninsured drivers become subject to license and vehicle registration suspension in Texas?

Uninsured drivers become subject to license and vehicle registration suspension when accident damages amount to:


Can you go to jail for a car accident with no issuranse?

You can certainly get in serious trouble for having your vehicle uninsured.


If an uninsured car parked on a city street is stolen and involved in an accident is the owner responsible for damages?

no, you are not responsible in anyway for anything that a thief does with your vehicle during the time the thief has your vehicle......now, since it was uninsured you of course have no coverage for any damage etc. to your vehicle but contact the pros. atty in your city (assuming thief was caught) and ask for restitution...........


An insured driver is unknowingly driving an uninsured car and has an accident The owner of the uninsured car is injured Who pays for the uninsured owners injuries?

this is tricky, dependant on the state laws...you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accident that is your fault...the owner of the vehicle is a passenger in the car and is injured...your policy should step in and cover this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn't matter you didn't know it was uninsured) and if your neglience resulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy.....sorry.....


Who is responsible for damage done to a uninsured vehicle?

If you have an accident with an uninsured vehicle, you and your insurance company are still liable for all damages, even though the other vehicle has no insurance. The only thing that will happen to the other driver is a citation for driving with no insurance.


What happens when you have a car accident with a driver that has no vehicle insurance?

I hope you had insurance for this. The uninsured motorist will probably be broke


Can someone with liability only on a company vehicle involved in a minor accident driving to their home file a claim?

What would you file a claim for? The vehicle is not yours and it's a minor accident with no injuries, so you have no loss.


Uninsured drivers become subject to license and vehicle registration suspension when accident damages amount to?

up to $1000


What do you do if you're uninsured and total your car?

If you were not involved in an accident with another vehicle, scrap your car (hopefully sell it for a minimal amount) and buy a new car- you don't have many options... If you were in an accident with another vehicle, and it was the other driver's fault, their insurance should pay for your damage...if it was your fault, you are liable for any damages personally.


Does uninsured motorist coverage cover an uninsured driver of the car in a single car accident?

No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy.


What happens if you are driving an uninsured car that you also own and you get into an accident and it was your fault I have basic insurance on another vehicle but none on this vehicle in question?

If you are driving an uninsured car that you own and you get into an accident that is your fault, then you have to personally pay for the various expenses that may result from that accident, which includes both the cost resulting from damage to the cars involved, and also any medical expenses which result from injuries to people in those cars. Since you also are legally required to have insurance, the police may impose additional penalties.


If a 15 year old unlicensed minor learning to drive with an uninsured adult has an accident who is liable the parents of the minor or the uninsured driving instructor?

The owner of the vehicle is usually held liable.


What is danger in trucking?

The dangers in trucking are falling asleep, losing control of your vehicle and being involved in an accident caused by someone else.


Can a car involved in a fatal accident be repaired?

It depends on the amount of damage to the car. "Fatal accident" normally means someone was killed, and has nothing to do directly with the amount of damage to the vehicle.


Uninsured drivers become subject to licence and vehicle registration suspension when accident damages amount to?

This amount varies by state.


If an uninsured driver with just a learner's permit is involved in a fatal car accident can the uninsured driver's parent's insurance be filed against?

Dependant upon WHOM the learner was insured with, who's vehicle he/she was driving, and the legalities such as "was there a licensed driver in the car at the time of accident"? all these things play a role. Contact a lawyer or your broker for a definite answer, but yes, in some instances, the parents can be liable.


You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?

Its your fault


If your vehicle was hit by an uninsured vehicle that was impounded after the accident but later repossessed from the pound by the leinholder can you sue the leinholder?

You could try but I doubt you would prevail. What liability do you think the leinholder has in the accident? You need to sue the driver of the car that hit you.