The person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.
Uninsured Motorist coverage
driver's insurance has coverage for a specific amount of medical coverage for injury and even death. check with the other driver to see the coverage and report it to the other driver's insurance company to find out the process to have the bills paid.
That would be liability coverage.
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company.
if you have full coverage insurance, yes it will cover you and other driver, depending on the limit of your collison coverage you have. if damage exceeds your coverage, then you have pay out of your own pocket to cover other driver's medical expense and damage. asian623 http://www.myspace.com/scionturboracing
Yes, it will. The fact that the other driver had no license has nothing to do with coverage and liability.
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.
Depends on the driver's age & driving record, location, model, vehicle age, coverage and insurance company, and other factors.
Yale Insurance specializes in insuring automobiles. They have a $19 per month plan that has limited coverage. Their other insurance products are priced based on the type of car, the driver's age, and the driver's accident history.
The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.