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If an unlicensed driver was driving your vehicle and got in an accident and totaled it will the insurance pay?
Wiki User
∙ 8y ago
It depends on the conditions of your policy. If there is a clear stipulation that it will not cover any unlicensed drivers, or any drivers not specifically listed for that matter then no they won't pay. If such a condition is not specified and coverage is unconditional (in that respect) then they probably will.
Assuming the person survived, and was not taken to jail it is doubtful they would be civily liable for the damages to another victims car (if applicable) hence the policy owner who's name is on the title is ultimately liable.
Wiki User
∙ 8y ago
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Is it legal for your insurance company to deny a loss for a car that was totaled?
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
How do you get a car after your vehicle is damaged?
most time if the car was in an accident and is totaled you will have to by it back from your insurance company
What do you do if your car gets totaled in a car accident?
The very first thing you do is report it to the police. Whether the car is "totaled" or not (a decision typically made by insurance adjusters), a police report is required for any automobile accident.
What happens after your car is totaled and you only have liability?
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
Who owns the salvage in an auto accident?
Either the cars owner or the insurance company who paid for the totaled vehicle
How do you sue someone at fault in an accident if they have no insurance at all and can you sue them personally to pay for your car being totaled?
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Will the insurance company pay for the damages caused by their driver if the injured victim is driving unlicensed and the car has been totaled?
Let's see if I can follow this. Insurance company A is at fault because of actions caused by driver A. Driver B who is not at fault is injured, but is unlicensed, and Auto B has been totalled. Insurance company A is going to have to pay damages to Driver B for property damage as well as for injuries because Driver A is deemed at fault. The fact that Driver B is unlicensed is a non-moving violation and Driver B will have to pay a substantial fines for these issues.
What to do if Car totaled and no collision insurance?
If the accident was your fault you're out of luck. If you were hit by someone, their insurance will total your car and pay you for its actual cash value.
What would you do if you have no car insurance and got into a car accident but havent started paying off that fee and then got into another car accident where the car was totaled and it is your fault?
You should stop driving immediately. It is illegal to drive any vehicle without meeting your state's Financial Responsibilty Requirements. Stop driving! If you still didn't have insurance when you got into your second accident, they'll probably suspend your license and if you're then caught driving they'll throw you in jail. If you can't afford insurance you can't afford to own a car!! Based on your driving record thusfar you need full coverage!!
My car was totaled in a car accident and the guy at fault had no drivers license but the car had insurance Will my insurance go up due to the accident and should i sue the guy?
Your insurance may go up it may not, also sue for allot of money!!!
If you have full insurance on your car and it is totaled by an unlicensed driver what happens with your insurance and payments for the car?
If this unlicensed driver was driving your car with your knowledge, you are screwed. But if you mean an unlicensed driver hit your car, if you have full coverage you should be able to collect on your insurance. The insurance will make the check to the leinholder and they will give you any excess or expect you to make up any shortage to pay off the loan. In some cases, if you did give permission for the uninsured driver, your insurance company will pay for the loss but make you sign an exclusion stating that the driver will not be covered in the future for any reason. You would be liable for full cost if it happens again. You can also expect a spike in your rates if they reside with you.
Does gap insurance cover a repossession?
Gap insurance only pays if the vehicle is totaled in an accident or stolen and not recovered. It does not cover the deficiency balance after a repossession sale.
