answersLogoWhite

0


Best Answer

The real answer is that you should talk to your insurance agent, because laws vary from location to location.

However, in most states, what's being insured is the car, not the driver. If you give permission to someone to drive your car and they get in an accident and it's their fault, usually your insurance company is going to be primarily liable for the damages. Your insurance company will probably pay (up to the limits of your coverage, at least), and raise your insurance rates.

Even if you didn't explicitly give permission, in most jurisdictions permission is assumed if the driver was a friend or family member. If you did not give them permission, you're probably going to be asked to throw them under the bus and testify that they stole your car.

One complicating factor is that while what's insured is the car, the rates are set partially based on the car (some cars cost more to fix, so will have higher comprehensive and uninsured motorist rates) and partly based on the drivers' records (higher collision rates). If there's a driver in your household with a poor driving record, you may get a cheaper rate by promising the insurance company "Oh, no, he's not going to drive thiscar, he's going to drive a different car insured by some other insurer, so you don't have to worry about his driving record."

If you live in a state that allows you to exclude drivers from your policy, and the driver was a person that you specifically excluded, your insurance company might be allowed to say "Hey, you said Crash Bandicoot here was not going to be driving your car, and lo and behold, he did drive your car, liar liar pants on fire, you pay for this, buddy." They may not be allowed to wriggle off the hook entirely, but they probably will at least be allowed to use drastically reduced coverage amounts, leaving a large bill for you to deal with. Crash's insurance (if he has any) may, or may not, kick in.

User Avatar

Wiki User

10y ago
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
Write your answer...
Submit
Still have questions?
magnify glass
imp
Related questions

Will insurance cover your damages from an accident if an unlicensed uninsured driver was in an accident on private property?

It is highly unlikely.


What happens if the driver who is not at fault for an accident does not have insurance in California?

Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.


What happens if you are driving an uninsured car and you get into an accident and it was not your fault?

The at-fault driver's insurance will pay for all property and bodily injury damages.


Can a fully insured driver drive an uninsured car?

It will depend on the driver's car insurance company. In case that driver gets into a car accident, it would be presumed his car insurance will step in to settle the damages.


Who covers damages if the vehicles is uninsurred but the driver has his own insurance?

When a car is uninsured and it involved in an accident, the owner of the car is responsible for its damages and that of the other involved cars. This rule applies even if the driver has his own insurance cover on a different car.


If someone has a car accident and does not have insurance how is the other motorist compensated for damages?

Your insurance policy most likely has a clause that protects you up to a certin amount if you are in an accident with an uninsured driver. You can also hire a lawer and sue the other driver for any damages (along with lawer and court fees).


If in an at fault accident and you have no insurance and there is no injurys to either party and no police come and make a report what should the uninsured driver expect in California or any state?

The uninsured driver, assuming they are at fault, can expect to be pursued civilly by either the other driver's insurance company or the other driver. The uninsured motorist can be sued for damages and any other expenses incurred as a result of the accident, including court costs.


What penalties does an uninsured Alabama driver face when an accident is their fault?

My husband was hit by an uninsured driver and he only got a 500.00 fine. Oh, and by the way, the UNINSURED driver just filed a claim with my insurance company, to try to receover damages to his car,WHAT about my damages? So, he is trying to get money in an accident he caused, and was driving around illeagally! How crazy is that! I suggest everyone keep full coverage insurance at all times to cover these idiots riding around with none.


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


What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?

They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.


Understanding Uninsured Motorist Insurance In New Jersey?

New Jersey requires that drivers hold uninsured motorist insurance because of the number of drivers in the state who are on the roads without proper coverage. This type of insurance will cover the damages that are caused by another driver in an accident if that driver does not have insurance. Many insurers will also include coverage in the case of an underinsured driver who does have insurance but whose policy does not pay enough to cover the damages that are incurred. Uninsured motorist insurance will help to make up the difference in compensation between what a driver should receive and what the negligent individual can pay. It does not provide extra money above what the main insurance policy would normally pay. One of the key elements that can dictate whether a driver will receive money due to an accident with an uninsured driver is the issue of liability. New Jersey has comparative negligence laws in place. This means that the fault for an accident can be placed on more than one individual. The uninsured driver must be found to have a larger portion of negligence than the driver with insurance. If the policyholder is found to have the larger portion of fault in an accident then the uninsured motorist coverage will not be applicable. The actual definition for who is an uninsured driver in New Jersey is not always clear and can actually be applied to a broad range of individuals. A person is considered uninsured if they are not holding any liability coverage. A person can also be considered uninsured or underinsured if they have some form of liability coverage but the amount of the policy is not enough to pay for any damages that have been caused. Another definition for an uninsured motorist is a person who had insurance when the accident occurred but then subsequently had their claim denied so that no payments are made to the victim of the accident. Some situations can occur where the person who is at fault for an accident is not present after the accident or is completely unknown. Uninsured motorist insurance in New Jersey will pay for the damages that were caused by an anonymous individual if there is some evidence that the covered driver was not at fault. This can help a driver to regain the use of their vehicle quickly and pay for medical bills but can also lead to a long litigation process once the individual who caused the accident is found.


Can an insurance company get money from an uninsured driver who was at fault?

They can pursue him civilly, and the not at fault driver can also sue for damages.