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Will your car be covered for a total loss if you are the passenger in the car and the driver gets into an accident and you have full coverage?
Wiki User
∙ 18y ago
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license
Wiki User
∙ 18y ago
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If your daughter has full coverage on her car and loans it to you is the car covered should an accident occur while you are driving it?
It depends, if the policy is a named driver policy and you are not listed as a driver then no you are not covered.
Can Person Injury Protection coverage be denied to the passenger if the driver of the vehicle was an excluded under the policy?
The passenger must first look to his or her own PIP (or no-fault) coverage for medical/wage loss/replacement services coverage. If the passenger does not have insurance then he or she looks to his or her household: does the passenger live with someone with auto insurance? If yes, then the passenger is covered by the resident relative's PIP. The driver's insured status does not dictate the passenger's status. However, if the driver is "an excluded" - I take it you mean he or she was not named on the policy as a driver - the passenger may have difficulty bringing a liability claim. Did the driver have the owner's permission to use the vehicle? If so, then he or she would be covered as a permissive user. However, if the driver was a young driver resident of a household - a kid using mom and dad's car - and the parents did not tell the insurance company there was a chance the kid would use the car - then you may run into coverage problems. Sometimes people try to save money by not listing a young driver on the policy. The insurance company can deny coverage in that instance.
You are insured as a second driver if you have an accident will you be covered?
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.
If you are a passenger in an uninsured driver's vehicle does that mean that you are not covered either if he has an accident?
If you mean are your medical bills covered -- and assuming your state requires medical coverage on auto insurance policies -- then, no, you wouldn't be covered by any policy of the driver's since, of course, no policy exists. However, if you have your own auto policy, that policy would then become primary. After that, your health insurance would be primary. Unfortunately for the uninsured driver, if you do have to go through your own health insurance, there's a big possibility that they will go after the driver for any payments they make, particularly if a driver is legally required to carry auto insurance in your state (again, insurance that included medical coverage).
Who pays if a driver does not have auto insurance but the passenger does?
for the driver - there will no coverage. For the passenger the same as well. It is your responsibility as a passenger, to be sure that the vehicle you are driving in is INSURED, always.
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.
Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage in Texas?
InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas Auto Policy.
How can you find out if a driver is insured?
There is no way to tell other then verifying his coverage after an accident.
Can a passenger in a vehicle sue driver of that vehicle?
Yes. If the passenger is hurt in an accident caused by the driver, the passenger is fully entitled to sue the driver. In fact even if the passenger is a spouse of the driver, the passenger can sue.
Does insurance cover the vehicle if the driver does not have a valid license?
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.
Does full coverage insurance cover unlicensed driver?
Not necessarily. Full coverage does not describe who is covered, but what is covered. In fact, full coverage is not an industry standard term. Most people that use that term, mean that they are carrying comprehensive and collision coverage. Those are the coverages that repair your vehicle after an accident. Every insurer is different in terms of who must be listed on your policy to be covered. Please check with you agent to be certain how your policy works. Source: Insurance Agent 8 years.
