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If an unlicensed driver was involved in an accident in one of the vehicles on your auto insurance policy Will your insurance cover the charges?
Wiki User
∙ 16y ago
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
Wiki User
∙ 16y ago
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What vehicles can you use on the road unlicensed?
you can use cars that you borrow after your own car gets into an accident.
Does homeowners cover an unlicensed motorcycle?
Homeowners Insurance does not provide coverage for motor vehicles.
If an unlicensed driver does not have permission to use your car and gets in an accident does your liability cover damages to another vehicles?
In the UK the insurance company would not accept liability except under exceptional circumstances
Who pays the medical bills in an accident on a motorcycle for the passenger?
== == If no other vehicles were involved in this accident, the insurance company of the motorcycle driver has to cover the medical bills of the passenger who was injured.
Can you tell the conversation between a cyclist and a motorist for the accident of their vehicles?
If you and your vehicle are in an accident, be sure to exchange phone numbers and addresses, as well as insurance, with the other party involved in the accident. Also, be sure that the police are notified of the accident.
Who is responsible for an unlicensed driver driving another person vehicle involved in an accident?
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 a car is stolen and has an accident are the vehicles hit covered by insurance?
no
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.
Who determines fault in auto accident?
Insurance companies determine fault by looking at police reports, taking statements from the parties involved and witnesses, and looking at the vehicles.
Do you need to carry UIM on ALL vehicles you own?
UM/UIM policies are in case you are involved in an accident with a driver who doesn't have insurance or doesn't have enough. This policy is only in the event that the uninsured motorist is at fault for the accident. it is not necessary on all vehicles but it might be a good idea.
Do you file a claim with your insurance company if it is your mistake?
yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.
If you are involved in a collision what do you do?
First, always, make sure that everyone is okay. If it is a non-injury accident and your vehicles are blocking traffic, pull to the side of the road and call police. If it is an injury accident, do not move vehicles and do not move anyone that is injured! Wait for trained personnel. After a police report is filed, contact your insurance company with details. Pick up a copy of the police report. This will have all info needed in reference to the drivers involved and the needed insurance info.
