if the car that hit you from behind has insurace its his fault, for failing to leave enough breaking distance, even thought he was hit, u claim from him,, he claims from the car that shoved him and so on
Yes, the general idea of insurance is that your rates go up when you cause an accident and they are forced to pay out.
Your insurance will likely cover the liability costs less deductibles. You may be forced to file charges for vehicle theft against the unlicensed driver and your insurance company may also sue him.
Cancel the forced insurance policy and add terms and conditions to your homeowner policy.
The unlicensed driver is responsible for all damages. If they are a minor the parents may be forced to take responsibility. Sadly, the owner of the vehicle MUST make any insurance claims they are eligible to make. The owner can ask the unlicensed driver to pay any excess on the insurance and even take them to court if they refuse to pay it. The driver of the vehicle is responsible to pay any amounts not covered by the vehicles owners insurance, including damages to the car. If the insurance premium goes up or you loose your no claim bonus then I'm sorry but the driver is not liable for that. If the unlicensed driver drove the vehicle without permission from the vehicle owner then the vehicle owner must report that the car was stolen at the time of the accident, then provide the insurance company with the police report number (you can tell the police you don't want to press charges). Under these circumstances even if the insurance company pays out damages for the vehicle they may chase the unlicensed driver to pay them back.
If the police report indicates the driver of the car was at fault, you may have a case.
When a driver is forced to break the momentum of their car to avoid hitting another car, a wall, or running over debris.
No.
If you were forced into striking another vehicle by a vehicle which struck you first, the vehicle that struck you is (usually) responsible for the entire accident. However, if you are required to have insurance in your state, that will not get you out of any ticket becauise of your lack of insurance.
When living in California I had AARP Secure Horizons including when I moved to Oklahoma City. But after moving from OKC into Grady County it was not accepted so I was basically forced to obtain another insurance, yet after 1 year that particular Insurance filed Bankruptcy. Now I am forced to use medicare. Will AARP or Secure Horizons eventually be in Grady County?
I recommend you this site where you can compare quotes from different comapnies: INSURANCE-QUOTES-FREE.INFO
You cannot be physically 'forced' to submit to the test but your driver's license can be suspended/revoked if you do not voluntarily submit to it.
It covers the finance company. nobody else.