NO. By allowing a person who is NOT a licensed driver to drive your car, you committed an offense under the state regulations, so your insurance company can refuse to pay any claims. That is not true in California. Unless the person is specifically named as excluded from the policy, the insurance company will pay up to the limits on that policy. The original question asked about an UN_LICENSED driver. I can't think of any jurisdiction where a person that doesn't have a state issued driver's permit , who has a car accident would be covered by ANY insurance company. The insurance company MUST have a clause that bans such a thing from happening.
Yes. Read your policy. If you allow a driver who is not licensed to drive your policy and an accident occurs the insurance company may deny coverage for the claim. You should not loan your car to other people because you are also loaning them your insurance and you may not have the authority to do this. If the person is a regular driver or lives in your household then they must be listed on your policy as a driver.
Yes you can. that is why you have to trade insurance information when an accident occurs. They will handle it from there and will most likely want to do an investigation.
There are many top ways that one can save on auto insurance. One can be a safe driver, one can also increase their out of pocket expense that occurs when they get in an accident.
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
The insurance policy on the vehicle should still apply. Since the person responsible for the accident is 18 the liability should end with the 18 year old but I am not a lawyer and don't live in CA so I can't say for sure that I am accurate.
No, you are not required to repair your vehicle. However, you might be disappointed if you experience another accident and further damage occurs. The insurance company may pay the claim differently since it cannot determine prior damage to current damage. However, if it is an older car and it is not significant, it is your judgment call.
Whereas selling agents procure insurance business on behalf of the insurance company against commission, the surveyers' service is required by the insurer when accident occurs in car insurance or a fire or burglary occurs, to ascertain the extent of loss caused by the eventuality.
In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.
One should make an auto insurance claim after an accident right after the incident occurs. If you wait, witnesses might forget what happened or leave and injuries may not be documented well.
That person is the one that has to set up the insurance because they will be the one legally responsible for it and if you still drive the vehicle, you will have to be added as a driver. Since you are the owner of the vehicle, you would also have a legal responsibility if an accident occurs.
You can be added as a driver if you driver their vehicle sometimes but your vehicle cannot be added to their policy. The policy needs to be in the name of the person who owns the vehicle and all drivers and household residents should be listed on the policy as drivers or just residents. If you put your vehicle on a policy in a friends name the insurance company will deny the claim if an accident occurs. You sign a legal contract and state such in the contract.
The unlicensed driver will have to pay any fine that occurs from this. They are the one who is Driving Without a License. You issue comes in when this person has an accident and is not listed as a driver on your policy. Let's say he hits another car from behind. Your insurance company will not pay for the damages to either vehicle and will not pay for the injuries, real or ficticous, and you will be stuck with this out of your pocket. Why you ask? Because, your insruance policy along with the application you signed make up a legally binding contract. The company agrees to pay claims and to accept your risk and you agree to be truthful with them, pay the premiums, and notify them of any drivers and household members. You have committed material misrepresentation thus breaking the contract. You didn't notify them of the drivers so you didn't keep your end of the contract so why do you think they are required to keep their end. They aren't. And they will quickly cancel your policy as well.
After an automobile accident occurs, there are a number of things that one should do. One of the first important things is to check on the safety and wellness of everyone in the vehicle. Next, a person should talk to the driver of the other automobile that was involved in the accident and check with him or her to learn his or her insurance information. Lastly, a person should contact the police, file a report, and then determine the claim with their own insurance company to resolve the matter.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
When a death occurs
Subrogation occurs when an insurance company goes after the party responsible for an accident or damages. You would use your insurance company for subrogation. This is something that the company will handle on their own. In most cases you do not have to do anything.
Depends on state law. You may want to tell your boss and /or your insurance agent.
FOr each accident that occurs, this results in a loss for the insurance agent. The less accidents that occur, the cheaper they become. Simple business practice
Insurance is meant to get you back relatively close to where you were before the accident occurs. The states view of your title should have no bearing.
Wyoming, as all other states, sets its own mandatory requirements that you will have to meet before you can insure a vehicle in the state. Although all states are similar, you'll find differences, mostly in the amount of coverage required.Your insurance policy will cover bodily injury liability, property damage liability, uninsured motorist coverage and, if you are paying off a loan, you will be required to have liability insurance on the vehicle itself.For Bodily Injury Liability, your insurance must cover a minimum limit of $25,000 for one person and $50,000 for two people per accident. Under Wyoming law you can be sued if you are involved in an accident which causes injury, loss or death to anyone. When you're insured, the insurance company will defend you and pay the legal costs as well as the claim itself. Bodily Injury Liability is mandatory.You can waive Uninsured Motorist Coverage if you tell your insurance company at the time you apply for insurance. Otherwise, Wyoming requires that insurance companies put this on your policy. This does not cover property damage or pay for the other driver, but it protects you in case you get into an accident with someone who doesn't have insurance, or in case of a hit and run accident where the offender cannot be found. The minimum amount on your policy will be $25,000 per person and $50,000 per accident.If your insurance police lapses and you don't reinstate it immediately, the State of Wyoming will suspend your driver's license and you must then reinstate your insurance, give the state proof of doing so, plus $50 in costs.When an accident occurs, it will be determined which driver is at fault. That driver will be liable for all damages and expenses incurred within the guidelines of their insurance.If there are drivers in your household who do not drive your car, you can exclude them on your policy. If these drivers are teenagers, it will save money on premiums, but if one of them is driving your vehicle and has an accident, your insurance will not pay for damages.
A bond is a promise to pay on your behalf if a condition occurs - such as failure to perform work by a deadline, or damage to property, etc. - with the understanding that the bonded person will pay the bond company back immediately. It is NOT insurance and does not have a cash value. two person vechal but insurance one person cmplitly accident and life cover furthar accident claim.
Accident is one which occurs in a particular area and confined to the limits whereas disaster is an accident spreading to neighbouring areas and usually occurs in largescale.
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers "you" from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle. Concerning the party that is not the owner nor on the car owners policy, the car owner's auto policy covers the car and any lawful driver aslong as their were no "misrepresentation" on the insurance application/contract. By misrepresentation I mean, at the moment the car owner signed the application and contract he wasto state any material facts that could change the underwriting decision such as premiums. For example, if the car owner has a son who will also drive the car, the car owner is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a "undisclosed driver" was operating the veichle the insurance has 2 options. 1. He can Void the policy/contract and not cover the auto owner. or 2. He can cover the auto owner and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car. *Note" In rare cases, an insurance company will cover the "undisclosed driver" aslong as the difference in the premium is paid.
The investigation put into car injury claims is difficult to put in detail, because the investigation is largely different for each case. However, the first thing that occurs after somebody files a claim is an insurance agent will call you up and ask you for the specifics of the accident you were in. Other things the insurance company may do to find the truth is ask for a copy of the police report, ask what happened from the other driver, as well as talk to any listed witnesses of the accident.
Insurance companies insure people not vehicles. Many people could drive one car and each get a ticket but only the insured can get a ticket that affects his insurance. However if an accidect occurs with anyone but the insured at the wheel no payment will be made by the insurance company to repair the car or for injuries to other drivers or their cars, on top of that the injured party can sue the driver of the car as well as the owner of the car for their damages. You should have gotten a ticket as an uninsured motorist as well if you are in a compulsory insurance state. You need to ask your agent, but in most cases this should not affect the parent's premiums, if the driver is an adult and no longer living in the parent's household. The traffic violation will be charged to the driver, not the vehicle. If the driver has the owner's permission, in the event of an accident, the owner's insurance would be responsible and if the driver has an insured vehicle, a claim may also be filed with his company and the two insurers will then decide which has primary responsibility. If the driver IS a member of the parent's household but not listed on the policy, the parent's insurance may try to deny the claim, but they will probably pay and then drop or refuse to renew the policy.