No Drink Driving is breaking the rules and your own choice
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
Drinking and driving is illegal everywhere. No insurance company can provide a policy for illegal activities. Drinking and driving is dangerous, not to mention that if a car accident were to happen, insurance would not cover it.
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
Only if the car you are riding in has insurance coverage.
Yes because you where still drinking
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
Yes you can but you may be surcharged and your premiums increased depending on your prior driving record and the kind of coverage you had.
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
Comprehensive coverage differs from collision coverage, although both are components of what is known as "full coverage". Comp covers damage done to your car not as a result of an accident, such as from a falling tree, weather, or "acts of God". You did not necessarily have the wrong insurance, but you did not have the insurance you needed for an accident.
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
In Australia, the term "green slip" is used to describe a type of insurance policy. It provides you with accident coverage in case you or someone driving your car are involved in an accident.
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
It all depends on what insurance company you are with, what your driving record is, and how much or what coverage you have at that time. It can also depend on the age of the person in a collision and how long they have been driving. So the costs can defer in a few ways.
No. The car is insured and your son's policy will provide coverage up to its policy limits.
1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.
CTP green slip insurance refers to compulsory third party personal injury insurance. This is required insurance to be bought when registering a car that provides coverage when the person driving the car is at fault in an accident.
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.
Auto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Although it depends on your insurance, the driver is covered if driving with your permission.
They will probably try to deny coverage on your claim. Did you inform them that your license was suspended? Probably not, I imagine.
This would depend on your insurance coverage or weather you are willing to sue him.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.