Will progressive insurance cover an accident if someone else drives your car?
If it was someone you lent your car to, then it should
Your insurance rate will increase.
If someone drives your car with a valid license but your car has no insurance and they have an accident and at fault?
Hope that you have lots of money.. Tell me your not stupid enough to drive a car with out insurance....
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
The short answer is... yes. Insurance companies consider that situation to still be your responsibility, especially since insurance coverage follows the car first, driver second.
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.
When someone drives your vehicle and has an accident who's insurance is responsible in the state of Texas?
Usually it is the driver, there may be some liability if the car was in a state of disrepair or he was acting on your instructions.
How can you protect yourself when a car you own that your older son drives with insurance and has a bad accident?
Your insurance is the protection; that's the nature of insurance.
If you driving someone else's vehicle and got into an accident but was not your fault can you file a claim through the borrowed vehicle's policy?
Only if the other persons insurance covers anybody who drives the car.
In Massachusetts the answer is YES. If more than one person is going to be driving your car then you have to have the appropriate insurance for that person. The laws do vary from state to state so check with your insurance company.
generally the person who owns the car at fault involved in the accident is financially responsible. hopefully you have insurance and your friend is not excluded from your policy for some reason. if your friend is not excluded then your insurance company should pay
How is one protected under car owners insurance when one drives and is in an accident with a party that does not have insurance?
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
this greatly depends on your specific policy with your insurance carrier/ certain policy provisions may be required if the vehicle on the policy is being operated by someone other than the named insured.
The insurance company will make every effort to put you back in the same position as your were in before the accident. in other words, they will make necessary repairs to the building and contents to as close as it was before the accident. They will probably make some effort to come to an agreement as to what the accident cost you in terms of any loss of income if any occurred.
If someone else drives your car with a valid license but no insurance of their own what happens if that driver has an accident who is responsible?
Technically, You are responsible for the car because the car insurance is in your name and not theirs. You can also go to court and they will investigate to see who should pay for accidental damages on the car but the Judge can also make the driver pay your cars insurance. It can go either way you or them depending on evidence of the accident.
no. It could be, depending on the details.
If you don't carry insurance on your car because it was recently totaled and a salvage title has been issued and someone without insurance on this car drives it and has an accident who is responsible?
You, the owner, are responsible for providing proof of insurance and ownership AT ALL TIMES! Even if it means requesting a faxed copy BEFORE driving the vehicle. If the other person has an accident, the liabilty/fault should not be in question, not where the title was. Insurance is effective still, but a fine could result in not having the proof.
If someone is driving your car and is not on your insurance and they get into an accident while they are drunk is damage covered to your car?
It will depend on the policy, but most policies are legally bound to insure anyone that drives an insured car (as the policy covers both you and your car).
If your 17 year old does not live with you and drives your car do you have to add him to the policy?
If you want him to have insurance cover in the event of an accident you should add him to your policy. Any body that is not on your insurance policy should NOT drive your car, if they have an accident you'll have big problems.
In most states, anyone who drives a car needs to be listed on the insurance. If an accident were to occur then the husband could be liable for allowing the car to be driven without insurance.
If you don't have car insurance and was hit by someone else can you sue them and the insurance company?
You might want to be careful here. Some states have steep fines and worse for someone that drives without insurance.
Possibly. Being the owner of the vehicle, you assumed some of the responsibiliy when you loaned it to the other person. A lot of it depends on the circumstances surrounding the accident, though. Contact your insurance company and give them all the facts regarding the accident, and they can give you a more detailed answer. I would also advise you to get a copy of the accident report before you contact them, which you can… Read More
If someone drives your car with your permission and has an accident who should pay for the items not covered by your insurance such as deductible and alternate transportation etc?
That is between you and your friend and how much you want to remain friends with this person. This question might be better suited for Dr. Phil or Oprah.
Will your auto insurance policy be voided if you loaned your car to a friend without knowing his license was suspended and he got into an accident?
It depends, they could or they could have you sign an exclusion on that driver, which means that if that person ever drives the car again and gets into an accident the insurance company will not be responsible for damages.
Generally speaking, just you. In the U.S. in most states, your insurance covers anyone who drives the car (in the insurance business, there is a saying, "When you loan your car, you also loan your insurance). However, if there is someone who regularly drives your car besides you, you may want to have them listed as a driver.
If an adult sibling drives your car without insurance will your insurance still cover the auto if there is an accident?
The insurance on the car will cover unless the driver has been previously excluded the full provisions of the policy covering the vehicle applies with legal permissive use.
Yes. If your name is on the registration of the car, you are considered to be in control of who is allowed to drive it, therefore, you are held legally and financially responsible for everyone who drives your car. Many insurance companies do not cover drivers other than the registered owner, should an accident occur. This is why it's wise to be very, very careful of who you allow to drive your car.
If you are the registered owner of a car that your ex boyfriend drives and he is fully covered in the car insurance what are the ramifications as the owner if he is in an accident and hurts someone?
generally speaking in California your former boyfriend would be primarily liable in the event of an accident, however if it was some kinda quadriplegic awful thing occured and you had knowledge that he was an unsafe driver, theoretically you would be liable under a negligent entrustment theory.
If your son insures a car in his name but also drives one of your cars can you be held responsible if he has an accident with his car and doesn't have enough insurance?
no the state requires you to have so much
If your friend drives your car and was under the influence and crashed it would your insurance cover it?
About the only time that there is no coverage for a permissive driver is when that person has been officially excluded, in writing, prior to the accident. All normal provisions of the policy should apply. You and the driver of the car must cooperate with the investigation of the accident with your insurance company.
Depends. Even if it's your friend driving it'll end up on the insurance belonging to the owner of the car.
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
If you are not the primary policy holder and someone else drives the car and gets into an accident is it your fault or theirs?
i'd say both you not that much but who wrecked it is the one to put the blame on The insurance is for the car regardless of who is driving. It will be the first to pay. If it doesn't cover enough, the person driving can be tapped for the remainder. If the person driving does not have a license, the owner of the car has to pay out of their own pocket. The insurance… Read More
If your daughter is not a resident of your household but is named on your insurance how involved ar you if she drives her boyfriend's car?
I'm not sure I understand the question. If her boyfriend has insurance, then she is covered under his policy as long as she had permission to drive his car. As far as your liability if she has an accident, it all depends on the extent of the accident and if a law auit is filed for more than her boyfriend's policy limit. Then there could be potential to attack your insurance policy which names her… Read More
No, driving violations are based on the drivers lic. not the vehicle they were driving
If a brother and sister are living at the same address in Massachusetts is his car covered by his collision insurance if she drives it?
Only if he as a multiple driver policy. If not, then no, you would not be covered in the event of an accident. He could add you to his policy- just call the insurance company with the details. Not unless she is listed as atleast an occasional operator on his insurance policy.
Certainly the person that was driving without a license. It would depend on the circumstances if anyone else did.
Blood drives are very important. There are some people who are incapable of producing blood on their own. Or if someone is in an accident and have severe blood loss, a blood transfusion would be in need. There are multiple and various other reasons as well.
What happens if your daughter drives your car with your permission but she is not insured as an additional driver on your policy and does not have her own insurance policy?
If she's stopped by the police, whe'll be cited for not having insurance. This means she'd then need to get insurance instantly (see the form SR-22), and report that to the court. Failure to do so can get her license suspended. If she is invovled in an accident with no insurance, the bills will all go to you. More, she will be cited for driviung without insurance (even if she didn't cause the accident). and… Read More
If a car has only storage insurance on it and someone else drives it can the person who has the insurance policy be held responsible and will it affect that person's insurance?
I'm assuming that "someone else" had an accident while driving this un-insured car, and that person should be held responsibility. However, if they have no assets, responsibility will fall on the cars owner, who in most cases is also the person who has the insurance policy. In assuming that "someone else" had an accident and did damage to something other than your vehicle, other car or person, then i would go directly to or if… Read More
If your 21 year old daughter who is covered on your insurance policy drives another person's car is that owner's insurance liable in case of an accident or is yours?
That will depend on the laws of the state you reside in. You can get detailed information at your state's department of Insurance - they probably have a web site. It will also depend on the language of your auto policy - read section regarding "Other Insurance".
If they drive with owners permission, yes. The owner may lose their ability to keep insurance if they allow a persn with a bad driving record to drive and they have an accident.
A cosigner cannot be someone with no license! If the car is registered to you, you are responsible tickets and fines. The unlicensed driver can be ticketed and fined. If you are not with your car as the owner, your car can get towed away because the police cannot let an unlicensed driver back behind the wheel !
If a friend drives your car and is charged with DUI and gets in an accident does your collision coverage cover the damages?
depends on your and his insurance, generally insurance follows the driver not the car. so your insurance shouldn't care, their insurance should pay for everything. If they don't have insurance, then your uninsured motorist might cover it. It depends entirely on your company, but if your company pays then your premiums will go up. The person they hit should have insurance that may cover it. I see no reason why your insurance should be involved.
If you were involved in a minor car accident turn on your hazard lights and pull of the road. Make sure you look write down the other driver's license plate number in case he drives off. Call the police as soon as possible. Exchange information with everyone who was involved in the accident and then contact your insurer with the information and notify them of the loss.
If your 18 year old unlicensed son drives an insured car with the owner's permission and an accident occurs does their insurance cover it and what is your liability since he is 18 you live in CA?
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.
What happens when someone not on your insurance drives your car leaves the keys in the ignition and your car is stolen will the insurece company pay if my car is totaled or can they refuse to pay?
Read your policy.
What is the legal if drives your friend car in that car is not insured and you get a ticket for driving without insurance?
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
If someone with a learner's permit drives a car that is insured but the licensed driver in the car is not listed on the policy are they covered?
If everyone was legal, yes, a collision should be covered by the insurance company.
Someone drives a car then accidentally runs of a cub the mom found it out then follows you about to kill what should you do?
Tell your mom it was an accident and that your really sorry. It also helps if you get her a Starbucks, a facial, and a Louis Vuitton purse.
Is it tort negligence if someone drives under influence of pain medicine and they cause and accident?
Without knowing all the details, it is impossible to be certain, but this would probably satisfy a prima facie case for negligence.