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Can both you and your insurance sue the negligent driver for all damages?
Lsafe
In most cases, no. Normally your insurance company handles the case on your behalf.
Wiki User
∙ 9y ago
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What happens in an accident where nobody has insurance?
If two cars crash and neither driver has insurance, the police officer arriving on the scene will of course both issue you tickets for no insurance, and your license can be suspended. The officer will also determine who was at fault, generally the faulty party is responsible for damages. Otherwise you are both on your own for being negligent for not having insurance at the time of the accident.
Is the driver or the owner legally responsibile in an accident?
Insurance stays with the car. So if the vehicle is insured (subject to any policy exclusions) and your 'permissive driver' were at fault then your policy will be primary on all damages. You both however are 'legally' responsible. If you are saying that neither the vehicle nor the driver had insurance. Then you both have a problem, and more than likely the injured party (or their insurance) will come to both of you for reimbursement.
New driver gets into accident with friends car with no insurance friend only has GDL who's liable for damages to both cars?
If it was your fault then your freind is liable for the damages. If it was the other guys fault then his insurance will pay for it. Keep in mind, while legally it is the owners responsibility for the damages, he can sue you if he wanted to.
Is your insurance provider notified and will your insurance cover the damages when an unlicensed driver takes your vehicle without permission and is involved in an accident?
The answer should be yes to both parts of the question. You should notify them.
If you do not have insurance and someone hit you in the back with insurance can you have your cost paid for in Louisiana?
While you may receive a traffic citation for driving without insurance, the individual who is responsible for the collision should pay for damages. If the other driver was found at fault, he/she should pay for damages, just as you should pay for damages that YOU cause. If the police investigated the collision and found that you were both at fault, you will probably have to pay your own damages. If you did not have the police investigate the collision, you may be stuck with the damages unless the other driver agrees to pay and admitted fault.
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.
Whose auto insurance will cover car damage if I driving another person's car?
If the other driver is 100% at fault his will. If you are at fault both yours and the owner's car insurance are potentially on the hook, yours for driving negligently, the owner's for negligence in entrusting their vehicle to a negligent driver, among other things.
What happens when an uninsured driver borrows a friend's uninsured car and gets into a wreck?
Both the uninsured driver and the friend are in trouble. My GUSS IS the uninsured friend will be liable to any damages he has caused The uninsured friend will be responsible for the damages to their car If insurance is required in your state, the uninsured friend and/or driver could face criminal charges
Can you claim auto insurance both yours and the other person?
You cannot collect any more than your actual damages. If the other driver's insurance does not cover part of the damages and you have a better policy, your policy may pay for the remainder. You would have to discuss your specific policy with your agent to be sure.
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
Who is liable for damages from an hit-and-run unlicensed driver and the insured owner of the vehicle was the passenger?
Both the Driver and the Owner are liable for the damages. The driver, whether licensed or not is the primarily liable party. The insured passenger owner is secondarily liable for damages by the unlicensed driver he permitted to operate his vehicle.
Who is liable for the damage if a car which is registered to a dealership rear ends another car then leaves the scene and is abandoned?
If your in Ontario: The driver of the car that rear end another vehicle is always liable both criminally and civily. In your scenario, the driver left the scene of the accident, this is known as failing to remain and is a criminal offence in Canada. If the car was abandoned, you can bet it was probably stolen. Stolen vehicles are not subject to the registered owners insurance. Basically your insurance coverage will provide for your vehicle. And the dealerships insurance will cover damages done to the dealerships vehicle. Now...if the driver of that vehicle is found he would be charged with the above, and in addition you can file a lawsuit against him for any injuries. (your insurance company will definitely sue the driver to recoup there losses for the vehicle damages) If the vehicle was not stolen, but being test driven ( you have a really stupid driver) then the dealerships insurance will cover the damages. However, your insurance company will front the bill for damages and get reimbursed by the dealerships insurance company pending the result of a police investigation. This is known as no fault insurance. Other provinces in Canada have there own laws regarding insurance and liabilities. The same with the U.S.A. KeVin Toronto
