You would probably win, but you would never be able to collect, and all you would end up with was a bill for the court costs and/or attorney fees. * The injured party would only be able to sue for the amount that was not covered by his or her insurance provider. There is not a guarantee in any type of civil litigation of who might prevail. The best option is to obtain legal advice from a qualified attorney. The majority of attorneys offer free or at a minimal fee consultation. The American Bar Association also offers a free attorney referral guide for all 50 US states.
Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.
You are in huge trouble, the injured party can file a civil lawsuit against you.
An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.
Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.
Uninsured drivers become subject to license and vehicle registration suspension when accident damages amount to:
no, uninsured motorist coverage is for injuries only when an uninsured motorist hurts the occupants of a vehicle......there is a coverage called uninsured motorist property damage, (most people do not have this and are even unaware that it is available, and is not available in all state) if you have that or collision coverage those will cover the damage to your vehicle ........
Uninsured Motorists Options on your Auto Insurance Policy Offer cover yourself and other passengers in your vehicle and comes with basically 2 options 1 Um / BI = Uninsured Motorist Bodily Injury Coverage 2. Um / PD - Uninsured Motorist coverage Physical Damage BI covers Bodily injury to the driver and passengers in your vehicle. PD covers your Physical Damage for your Vehicle.
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
Are you saying that you are uninsured, and the drunk was at fault, if simply due to the fact that you were uninsured (and of no fault whatsoever), you have to pay for his vehicle? NO, the ''at fault/negligent" party is liable/responsible for the damages they caused due to their neglience. Subject to any laws in your state barring uninsured drivers/owners from recovery of damage. But just because you are uninsured (if not at fault) you are not responsible for the drunks damages.
If you are uninsured then of course not.
It depends, You do no mention what type of vehicle. Homeowners insurance polices will not cover damage or theft of a motor vehicle designed for use on public roads.
Maybe, (barring any exclusions in the policy), if an insured driver, drives an uninsured vehicle, many/most times their policy will kick in. However not always !! Sometimes, it will only come in for the first party damage. Many many questions would have to be answered (ie, do you drive this uninsured vehicle often? was this a one time thing? how long has this vehicle been uninsured? why were you driving it? and of course the facts of loss, re: are/were you negliegent, and at fault to begin with?) If you have had a loss/accident while driving an uninsured vehicle, turn the claim in to your carrier, immediately. If you haven't and are just wondering, I would NEVER on purpose drive an uninsured vehicle.