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As with all such matters, you should consult a legal professional to protect you rights.
Generally, YES both VEHICLES should be insured (but that requirement may vary in some states). Drivers are NOT usually insured unless they hold special vehicle licenses or have personal umbrella coverage. But drivers should be prepared to present proof of coverage for the vehicles they are driving; when requested by law enforcement officials and other drivers after an accident.
What else can I help you with?
Who determines fault in auto accident?
Insurance companies determine fault by looking at police reports, taking statements from the parties involved and witnesses, and looking at the vehicles.
What are your options if your private property was damaged by someone else during an auto accident?
file and pursue a claim or dont. If you do file , file a police report, get a copy of the report and have your property insurance company pursue the claim against the insurance company covering the party or parties involved in the auto accident
Why is it advisable to purchase auto insurance?
If you drive a motor vehicle without insurance and you are involved in a major accident where you are at fault, you could be sued for several million dollars if other parties in the accident are badly injured or killed. It's just not worth the risk.
What are the penalties for giving a police officer a false auto insurance card if involved in a accident?
insurance fraud.
Can you change auto insurance if you just was involved in an accident?
You can change your auto insurance at any time. It is up to the company to decide whether or not to accept your claim.
How quickly should an auto accident claim be filed?
An auto accident claim should be filed after the accident happened. Be sure to have a police report and the other parties insurance information before reporting your claim.
Injured in an auto accident with no auto insurance?
If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be additional criminal penalties including fines and jail time.
Why you need car insurance?
The reason you need car insurance is for protection for both you and other parties. Without insurance, if you were involved in an auto accident, you would have to take the responsible party to court, which cost you time and money. Insurance covers this cost, as well as it finicially protects you. if you were found at fault for an accident, and did not have insurance, you would be responsible for all the damages and medical expenses for all parties involved. This could end up costing you several thousand dollars, which most of us could not afford. Insurance covers this cost, as well as insures that if you are injuried in an accident that wasnt your fault, that you are fully compensated for your injuries
What is liability coverage on auto insurance?
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
If you are involved in an accident and have auto liability insurance and the other driver does not what are your rights?
Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now wants me to fix her automobile. What are my rights in this situation?
How do insurance companies know you had an accident?
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.
Do you need to file an auto insurance claim for a fender bender?
You need to file an insurance claim on any accident in which a claim is going to be made on both parties.
