You can do a couple of things. First, you can file a civil lawsuit against them. Sometimes you will get your money and sometimes you wont. Another thing you can do is check your policy or call your insurance company and see if you have uninsured coverage. If you do, you can get your own insurance to cover the damages.
You cannot purchase insurance on someone without their knowledge and participation. The insured has to answer the underwriting questions in person and sign the application in the presence of the insurance agent. The insured does not have to be the policy owner or payer. The owner is the only person that can make changes to the policy including changing beneficiary, address, payment method, etc.
If the car you are driving is insured then you are not driving without insurance.
In the US insurance has nothing to do with speeding. If your state has mandatory insurance, the fact that your car is insured is good enough but the officer may want to see proof of insurance. Here it is the vehicle that is insured, not the driver. In UK you should not let anyone drive your car on the public road without checking they are insured. You can be fined if you let them drive without insurance.
Is driving without insurance
withdraw or withdrawal Bank of America was taking $ 304.00 out of my mortgage payment every month for my mortgage insurance. I had no mortgage insurance on my FHA loan. Bank of America could not give the money to HUD because my loan was not insured. So why was Bank of America taking the money without my permission. Bank of America was aware my loan was not insured, but they money was continually being taken out of my loan payment illegally. Robert
It depends on the insurance company. Some insurance companies will cover the vehicle when it is loaned to someone else. Many have restrictions that they will only cover someone of a certain age or older.
If there is no insurance on the vehicle and you get a ticket for driving without insurance you are guilty of the offense and will have to pay your fine. Even though the vehicle belongs to someone else it is the responsibility of the driver to make sure there is valid auto insurance on the vehicle before driving it.
It is not possible to take out insurance on a person with their knowledge. The insured must answer all underwriting questions and sign the application as well. The only case where this would not be true is if the insurance is being taken out on your minor child.
No, you can not get life insurance without the insured's consent, unless it's for a minor.
Any number of reasons, 1 the driver was excluded or otherwise not an insured under your policy. or 2 insurance proof was not furnished in a form of writing when requested by the law enforcement officer.Answer"Why would someone get a ticket for no proof of insurance, when she is insured?" In most states, you are required to provide proof of insurance if stopped by an officer. If you cannot furnish a current insurance card he has the option of issuing a traffic ticket.Normally you can take a notarized letter from you insurance carrier to the clerk indicating coverage for the driver was in effect and the ticket will be dismissed.However you state in your post that your wife is excluded. If a person has been excluded from the policy she is in fact driving without insurance.
If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.
Car insurance companies do not require full payment upon acceptance. They do however ask for a down payment. If you go through a 3rd party you maybe able to get car insurance without a down payment.