Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
If your friend lets you drive his car and then you get into an accident and his insurance does not cover that do you have to pay for the repairs?
Assuming that you were at fault in the accident: you broke it, you bought it. Do you have total coverage on a car that you own? It might cover the harm if you were only using his car temporarily while yours was unavailable. If another driver was at fault, your friend should be attempting to collect from him or his insurance.
You were in an accident which was not your fault but you did not have car insurance are you liable for this accident?
If it wasnt your fault, then the person who was at fault is liable. I would suggest working something out inbetween the two of you, since you could have your liscense suspended if caught without insurance. II: You wish it was that effortless! It is illegal to operate a vehicle without insurance coverage. The minute the other driver’s insurance co. finds out that you were not insured, the claim becomes 50/50 and very hard to fight. You pay for yours and they pay for thiers. That’s all.
How will an at-fault accident while driving a company car covered by corporate insurance affect your individual insurance premiums in the future?
Unluckily, IF and that is IF your individual policy insurer finds out, if they do a yearly check, their may be a surcharge applied. Please reminisce that if ever confronted with that question from your insurer, always be truthful or they could cut you. I am a Broker
Do you need insurance when you’re in a car accident but not at fault?
check your state law,but if you dont have ins.you maybe found at fault..
if you don’t have insurance, its your fault ither way
If a friend is driving your Car with no Insurance or License and get in an accident what the worst that can happen?
Your vehicle was or was not insured? If neither the vehicle nor driver have any insurance, both the proprietor of the uninsured vehicle and driver will be held accountable for the damages caused/owed. Fines, loss of license and plates, etc. with more detailed information I could be of more assistance.
What happens to a person at fault for a car accident with no insurance if it is not their car?
It’s possible that the car owners insurance will cover the damages, but just as likely that it won’t. If it doesn’t, then the driver of the car will be fully responsible for any and all damages and will most likely end up being sued in court to recover the monies owed. It’s for this reason that all states require drivers to have uninsured motorist coverage on their insurance. .
In the UK three bods are likely to be responsible for paying compensation for harm and individual injury as a result of the accident: the driver of the vehicle, the proprietor of the vehicle’s insurer (if that person had skill that the other was driving his vehicle) and the Motor Insurer’s Bureau. The driver of the vehicle will also be prosecuted in criminal law for driving without valid motor vehicle insurance. For a description of motor vehicle insurance and the MIB – please see the related link.
In Florida If you were in an accident and was excluded from driving the car and it was not your fault can the insurance co make the possessor of the car pay for the damages on the other car?
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 holder 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 harm 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 loosened from it’s responsibility to pay on behalf of the holder of the vehicle.
What happens if a car accident was not your fault but you were driving a friend’s car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are permitted to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you very first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
Involved in a not-at-fault accident is it your fault or the holder’s for driving their uninsured car if you thought it was insured?
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don’t work? Drivers fault. Not insured? Drivers fault. ReactionIf you drive a car that is not insured you can be ticketed for that. If you were not at fault in the accident then hopefully the other driver had insurance otherwise the harm to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the possessor of the vehicle to have the vehicle insured. ResponseThe law clearly states that it is the driver’s resposibility to make sure that the vehicle he/she is driving is decently insured and there are no acceptions, you will be ticketed.
If you are in an accident and it is your fault does your insurance pay for both cars?
No lovey not if your the one at fault… Insurance only covers the other person if your at fault sorry honey……
It depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cover the other person’s harm. If you also purchased collision insurance, that will pay for your vehicle (less the deductable).
If you are at fault in an accident while driving your friend’s car whose insurance will cover it?
In most states, insurance goes after the car. The policy in effect for the car is usually primary regardless of who was driving. If there are boundaries issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
If a friend was driving your car and got into an accident but was not at fault who pays for damages in Fresh Jersey?
Insurance picks up the tab .
If you gave the friend permission to be driving your motor vehicle then you are responsible for the harm. If you can prove your friend’s negligence, then it might be worth talking to an attorney. If you were in a ordinary accident, your friend had permission, and it’s not his fault, then the other driver is responsible, provided they are legit drivers, have licenses, and are insured..
It’s like you were drivingLet’s say your friend was rear-ended. The other dude is the at-fault driver. His liability coverage should pay for the cost of repairs to your vehicle. But if he’s carrying only the minimum liability insurance, it may not be enough to cover the entire cost. That’s where your un-/under-insured policy kicks in.
What happens to a person at fault for a car accident with no insurance?
Most likely nothing. It depends if the other person had insurance. The worst that would happen with a clean record is you license suspended no more than a year.
If you have an accident driving your friends car who insurance covers?
typcially , insurance stays with the car meaning the insurance on the vehicle would be primary……….
If you let a friend drive your car and he causes an accident will it affect YOUR insurance rate and record?
yes unluckily it more than likely will…….most cases insurance stays with the car…….and is primary……..i’ve had many people ask to please cover it under the drivers policy (including the driver), but that isn’t possible unless there is no specific coverage under the vehicle, and is under the drivers policy……..tell friend they can both cover your deductible (if you have collision coverage) and the increase for the next three to five years……that’s what i’d do……..and have it written too……no legal means (that i am aware of) that would force the driver to pay this increase for you, more of a moral issue…..because you assumed the risk when you permitted them to drive……..sorry honey………
If a car was in an accident and the person driving had no licensed but was not at fault will the other persons insurance pay for damages because they were at fault?
Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.
Can car insurance increase if an accident is the other driver’s fault?
If your insurance had to pay anything out on the incident, you could be hit with higher charges.
If you are in an accident and at fault will the insurance company repair your car?
It depends on what company you have insurance with, where you live, and how much coverage you have been paying for. I have The Hartford Insurance. I was in one, I was at fault and they paid for repairs on the other stud’s car and my car. It all depends on how much coverage you pay for in your premiums..
Is my insurance and driving record affected if i have an at fault accident while driving a friend’s car?
yes. it goes on your record and insurance companys look at you record from time to time
If a driver has no insurance but drives a car covered by no fault gets into an accident will the possessor of the car be able to file a claim with his insurance company?
No fault laws refer to injuries only not property harm. If you have comprehensive and collision coverage on your vehicle the harm to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver’s injuries if he does not own a vehicle then the private injury protection on your policy will cover his injuries, once again subject to any exclusions.
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault–regardless of who indeed in all actuality was. DONT DRIVE WITH NO INSURANCE.
You were in an accident your car is a lease and it was your fault and you have no insurance what is going to happen?
You are going to have to pay all cost out of pocket. Also you may be given a severe ticket for driving without insurance.
Your son permitted a friend who you later discovered had a suspended licence to drive your car He was the at fault driver will your insurance company still pay for the damages and medical bills?
YES. BUY SOME COMPANIES RESERVE THE RIGHT TO SUBROGATE THE CLAIM. THIS MEANS THEY WOULD COME AFTER THE AT FAULT AND Attempt TO COLLECT WHAT THEY PAID OUT. BUT AGAIN IT DEPENDS ON THE STATE U live in
What do you do if you get into a car accident with no insurance and you are claimed to be at fault?
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
What happens if you dont have insurance and you get into a car accident driving your friends car – she has insurance?
Her insurance may state ‘other drivers with the insured’s permission’ in which case her insurance would at least in part cover harm to other people/cars, but most likely not to her own car. If her insurance does not have that clause, you are very likely in trouble.
What do you do when you permit someone to drive your car and they get into an accident but they have no insurance and no license in pa?
You have to pay because you let them drive you car so it is your fault!
I let a friend drive my car and they had an accident whose insurance pays?
If your friend was at fault- then your insurance policy will pay very first. Always reminisce the insurance goes after the vehicle, NOT the driver. If the costs of the accident exceed your policy boundaries, your friend’s policy will react next.
In Michigan if you don’t have car insurance and in an accident that is not my fault what happens?
As far as I know, if you don’t have insurance, you ARE at fault. That’s how it is everywhere I’ve heard of, but I don’t know about Michigan. Good Luck!
If you get into a car accident and it is not your fault will your insurance go up?
Not if it is deemed to be 100% the other drivers fault and they have insurance.
If someone drives your car with a valid license but your car has no insurance and they have an accident and at fault?
Hope that you have lots of money.. Tell me your not stupid enough to drive a car with out insurance….
What happens if a car accident was not your fault but you were driving and you are not on the policy and the car is insured by utter coverage insurance?
ResponseYou should be OK, as long as, you had permission to drive that vehicle. In any case since you were not at fault, the other driver’s insurance co. is financially responsible for all damages. However, in some other cases, it is recommendable to review the policy of the car you were driving, in case the other vehicle had a liability coverage only.
Whose insurance should I call if there was a car accident and it was their fault?
I would call their insurance, if you did not know who they are or they didn’t have insurance, I would call your company and they can get the ball rolling.
Am I considered an uninsured motorist If I am driving my son’s car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son’s policy will provide coverage up to its policy boundaries.
What if you were in a car accident that was not your fault tho’ you did not have insurance but the vehicle is insured?
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
If your wifey is killed in a car accident that was not her fault how does the insurance works?
In the United States, you see a lawyer. The Insurance Company offers you the least amount possible. The lawyer may be able to get you a lot more money.
If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have utter coverage insurance, your car will be repaired totally and your portion of the repairs will be whatever your deductible is.
What happens to you drivers license when you permit friend to drive you car and they have no drivers license and they have an accident?
Nothing. You won’t lose your licence for that. Your insurance rates, however, are trussed to increase. Another VIew; By permitting them to do so, you have ‘aided and abetted’ their offense. In most jurisdictions there is a charge such as “Permitting an an Un-Licensed Operator” (or similar wording) and you can be charged.
What happens if you let a friend borrow your car that is uninsured but the friend has non-owners insurance and he gets into an accident that wasn’t his fault?
almost all states require liability insurance. the fact that the friend had ‘non holder’ does not mean that it was ok to drive an uninsured vehicle. the law requires the vehicles, not the drivers, to be insured.
Who is Liable for an accident if the driver of the vehicle that is at fault has insurance but the car he is driving is not registered in his name?
It indeed depends on the laws of your State and the policies involved. That being said, usually the policy on the car in question is primary in the resolution of any claim, and then the driver’s policy would be in a secondary position.
Can you file an insurance claim against both the at fault drivers insurance and the proprietor of the car you were driving when the accident accured?
No, The at fault driver in the other vehicle is responsible for your losses. Not the person from who you borowed the car you were driving.
What do you do if you get into a car accident and have no insurance and your at fault?
Plead and Pay. You will be responsible for all costs associated with the accident. If you don’t have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should attempt and work out a payment plan with the insurance company. Depending on the state you live in you will most likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in total. You may be able to get a limited permit to go back and forward to work only.
What happens if an unlicensed driver is driving insured car and has accident and not at fault?
You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.
What happens if you don’t have insurance and you get into a car accident driving your friends car she has insurance?
As long as she has the correct insurance that permits the car to lent to a friend then it should cover you.
Had an accident which was not your fault can you still rent a car through your insurance?
That depends on the text of your insurance policy. Whatever it says in it, is what you’re covered for.
What if you are hit in a car accident and you are at fault and the person who hit you has no insurance?
In case of Car accident if your car is having valid insurancepolicy at the time of accident then you are liable to get the claimfor the loss. While different companies have different disbursementpolicies and depreciation charts which would be followed for claimsettlement process. Turtlemint car insurance offers a faredepreciation chart and effortless claim process which simplifies thecomplete process and helps to get the tasks done hassle-free
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Very likely not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter’s fault, then the at fault party is responsible for the harm they caused to your vehicle, regardless if the other party was licensed or not.
What happens in a car accident if both cars involved do not have insurance and the car at fault was toasted driving?
If neither vehicle was insured you will have to sue the other party in order to collect any damages. Buzzed driving is a contributing factor but truly whichever party is at fault for any reason will be liable to the other party. The bad news is that if the person did not have insurance the very likely don’t have assets to pay the damages. This is why you need insurance and uninsured motorists coverage.
What if you failed to get the insurance information of the party at fault in a car accident?
If you failed to contact the police after the accident you may be in serious trouble here. You have no proof that an accident even occurred except for the harm to your vehicle. Do you know the other party? If not why would you permit them to leave without getting some information from them? This sounds fishy to me and I’m sure it will to your insurance company as well. Unless you plan to just pay for it yourself, I would recommend that you tell the company the entire truth in the matter and not attempt to make up something to help a friend as they have seen it all.
Can you sue your own car insurance if it was not your fault in a car accident?
What you are telling is that the police department determined that it was your fault; your insurance company investigated and determined it was your fault; but you still want to waste money suing your insurance company because of all the facts. Sure, sue away. Recall that you will have to prove that you have monetary loss because of something that they did. You do have loss as your premiums will go up due to the loss being on your record. You should also know that this will not make you look good to your insurance company from here on out. Have you spoken with the police officer about the report he filed and also his superior about reviewing the report that was filed.
Does a no fault accident on your motorbike affect your car insurance?
as a general rule, if it occurred on the road and the “motorbike” is being used as a “vehicle” as in driving on a roadway like cars etc vs offroad… then it very well may affect your auto policy. In some states a report is required for any death or injury which includes “offroad” but since in a case like that it was most likely a “recreational type vehicle” it may not. The type and size may play a part as well. It may need to be classified as a “motor vehicle” to trigger the reporting requirement, which may be different deoending on the state.