If someone owns a motor trade insurance policy and gets involved in an accident on vehicle not owned by them, if its their fault, they go through their own insurance and car owners insurance doesn't get involved. If its not their fault, they claim against third party insurers. Most of the time the vehicle repair cost gets given to the car owner but if motor trade insurance holder has bought the vehicle but hasn't transferred the ownership onto their name, they then need to provide some sort of proof that they purchased the vehicle, with previous owners confirmation.
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
No liability insurance is not mandatory for boating in Ohio, it is a good idea to have liability insurance to tide over troubles if you or someone operating your boat is involved in a boating accident.
Auto insurance, and if you are hurt by the accident, then health insurance too, but you will need health insurance for the second to file a claim for injuries, and health insurance is optional. Auto insurance is required by law. If it is someone else's fault however, then they must pay for all the damage to you, your car, and themselves.
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.
If the accident was your fault and someone else was involved their uninsured motorist insurance will pay for their damage. The bad news is that they WILL sue for the amount they had to pay out.
Someone who is harmed in some way involving an accident is commonly known as a victim. A person who saw the accident happen, but was not directly involved in the incident is known as a witness. Someone who was the cause of the accident is commonly known as an offender or culprit.
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.
Yes, you can potentially be sued if you are listed as a driver on someone else's insurance policy and the primary driver causes an accident. Liability typically extends to all drivers involved in the accident, and while the primary driver's insurance may cover damages, injured parties can pursue legal action against any party they believe is responsible, including you. It's important to understand your specific state's laws and the details of the insurance policy involved.
Usually your own insurance.
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