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Who is liable for damages above the maximum limit on your policy when you are not the driver?
The driver of the vehicle would be considered as secondary. Say you own a car, and are insured with company X. You let a friend borrow your car, and they have insurance with company Y. If there is an accident that exceeds the limits of the policy for company X, then company Y would pay up to their policy limit to cover the remainder of the balance for damages. If the driver does not have their own insurance, then potentially both the driver and the vehicle owner could be sued and be responsible for damages.
What else can I help you with?
Will your insurance cover you if you drink and drive and get in an accident?
Yes, most likely. Review your policy to be sure. However, if the drunk driver caused damages in excess of his or her policy limit, the drunk driver can be held personally liable.
What happens if an excluded driver on your insurance policy cause an accident but you let them drive?
The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.
What does excluded driver mean on policy?
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.
Are parents liable for damages in Massachusetts for an auto accident that their children caused?
Yes, they are through their homeowners policy.
Is an uninsured driver financially responsible for accident damages in an insured car?
Both the permissive use driver and the vehicle owner(s) are financially liable jointly and severally for all damages and injuries sustained in an "at fault" accident. Both can be sued. If you were driving and at fault. Then you are the person most directly responsible for causing the accident and you are financially liable. If the owner gave you permission to drive the vehicle, although he's not at fault, he is also financially liable because it's his car and he's the one who allowed you to drive the car. If you are not a covered driver under the terms and definitions of the owners policy then the insurance company will not pay for the accident. We should never borrow or loan out a vehicle without first verifying the driver will be covered under the policy.
If an insured person allows an uninsured person drive her car and the uninsured driver has an at fault wreck who pays?
The Driver "and" the Vehicle Owner are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver
Can an uninsured driver be legally held responsible for damages to other cars even if the car he is driving is insured?
Yes, Both the permissive use driver and the vehicle owner(s) are financially liable jointly and severally for 100% all damages and injuries sustained in an "at fault" accident. Both can be sued. If you were driving and at fault. Then you are the person responsible for causing the accident and you are financially liable. If the owner gave you permission to drive the vehicle, although he's not at fault, he is also financially liable because it's his car and he's the one who allowed you to drive the car. If you are not a covered driver under the terms and definitions of the owners policy then the insurance company will not pay for the accident. We should never borrow or loan out a vehicle without first checking if the driver will be covered under the policy.
What insurance company is liable if a pedestrain is hit by a car?
The driver who hit the pedestrian is liable, not their insurance company. The drivers insurance company will normally be responsible for payment of valid claims up to the policy limits for which the their insured driver is found liable.
Who is liable for damages done to your vechicle if it was not your fault and the other car was stolen?
The thief who stole the car is liable for the damages he caused. The owner of the stolen vehicle is a victim also of the same Thief. You my seek compensation from your own insurance policy if you have full coverage options.
Can insurance companies come after you for losses they paid to their policy holder because you hit them and were not insured?
Absolutely yes. You are ultimately liable for any damage you might have caused whether you had insurance or not. The only difference is that if you had insurance your insurance company will pay up to the policy limit for damages you might be liable for. So you can get sued for damages whether you had insurance or not.
Is an insured driver on your policy responsible for damages that they have not repaired on your vehicle?
== == In the event that you got into a car accident and it was not your fault but the other driver's, if he is insured, his insurance company is liable to pay for the damages of your vehicle. On the other hand, if the other driver is not insured, your own insurance company, provided you have a policy regarding uninsured or underinsured drivers, will be responsible for the damages your vehicle has incurred. They however, may have a right of action against the person responsible for the accident. The person who caused the damage to your vehicle is ultimately responsible for the damage to your vehicle regardless of whether there is an applicable insurance coverage or not. Whether you actually have the repairs done is none of their business.
Your brother is loaning you his car if you insure the car can he be held liable for an accident you get into?
ANSWERFirst, your brother's car should be insured anyway. However, if you have your own insurance policy and this fact is stated in the policy, you are liable. Furthermore, if you by chance, reside with your brother, you should be included in his policy. If your brother's coverage is liability only, but your's is higher, the higher coverage may apply, however, 2 policies on one vehicle may be applied in case there are excessive damages and/or personal injuries. In any case, all damages need to be satisfied based on the policy (s) limits, and that's if the other driver's insurance co. requests policy limits verification.
