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What can you do when someone hit your car and has no insurance?
Wiki User
∙ 13y ago
If you maintain collision insurance on your vehicle, you can claim under it. The insurer will pay the reasonable cost of repair subject to the policy deductible. That said, most states have laws that require that an insurer declare a vehicle a total loss if damages exceed a stated percentage of its actual cash value. In that event, the insurer pays the insured the actual cash value less the policy deductible.
If you do not have collision coverage, you are free to file a civil lawsuit against the At Fault driver. If he/she has liability insurance, the insurer will either defend liability and/or damages through an attorney hired to represent the other party, or, if the insurer agrees that its insured was at fault, may voluntarily pay the claim.
If the other party has no liability insurance, you may still sue him/her and if you prevail, you will obtain a judgment. Judgments are not self-executing, meaning that you have to take further steps to collect if the defendant does not voluntarily pay. One effective means of collecting is to provide a copy of the judgment, the police report and other required documentation to that office within the Department of Motor Vehicles that enforces financial responsibility laws. Most states have a provision allowing for the suspension of licenses and tags of persons who do not pay judgments relating to auto collisions. That usually gets the other person's attention.
Wiki User
∙ 13y ago
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Can you be liable if someone was driving your car and he hit a pedestrian walking out of a crosswalk?
It was your car so your insurance will have to pay. Never loan a car out to someone who is not on your insurance policy.
What happens your car is totaled?
If you have the proper insurance or you were hit by someone you will surrender the car and the title to the insurance company and they will pay you the actual cash value of the car before it was hit.
If someone hit your car in a parking lot and filed a police report does their insurance pay?
if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.
Who is liable if someone else borrowed your car and hit another car and you don't have insurance?
You both are.
What if someone hit you would the lender of your car pay for the damages if you had no insurance?
yes
Who do I contact if someone hit my car?
Your insurance company first, then, the police for a report.
If someone hit your car but you have no insurance can you still put a claim in on their insurance?
That all depends on the details and the rules in your state.
If someone else driving your car gets rear ended by another car does insurance cover your repairs?
Yes. The guy who hit your car pays or his insurance covers it.
Does landlord insurance cover car damages on property?
No, that's what car insurance is for. If someone hit your car, that person is the one liable for your damages, not the property owner where it was parked.
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 do you do if someone hit your car while it was parked and they left their info?
Call them and their insurance company.
If you receive a driver summons while driving someone else's car will your insurance increase or the car owner's?
If this is a traffic ticket, your insurance would take the hit.
