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What happens if the driver don't have insurance but the car is insured?
Wiki User
∙ 12y ago
A little more explanation of the situation may be necessary. In most states, insurance follows the vehicle and not the driver. You could still be in trouble if the driver was not listed on the policy covering the vehicle or even if they were excluded. If such a problem comes up which is rare, you can file the claim on your policy if you have uninsured motorist coverage then they would go after the driver and owner of the vehicle for the money back.
Wiki User
∙ 12y ago
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In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
Who will insure an unlicensed driver?
No one. If the person does not have a valid license they cannot be insured for any type of coverage concerning motor vehicles. not true just get your motorcycle permit and you can get insured i know plenty of people who dont have motorcycle licence and have insurance
What happens if you dont have insurance and you get into a car accident driving your friends car - she has insurance?
Her insurance may state 'other drivers with the insured's permission' in which case her insurance would at least in part cover damage to other people/cars, but probably not to her own car. If her insurance does not have that clause, you are probably in trouble.
What happens no drivers license but car is insured in someone else's name and you are involved in car accident?
***UK answer*** Depends if the car is registered to your or the other person. If its your car then you will be done for driving with no insurance or driving whilst banned or driving with no license or a combination of the three. However if its not your car and you borrowed it you will again be charged with driving with no license and insurance, (If no license then you dont have insurance, the driver must be insured not the car) but whoever you got the car from could also be charged with knowingly allowing a vehicle to be driven illegally (illegally because you - the driver had no insurance and license), if you dont want to get the other person in trouble - or they may say you took it if they dont want the trouble - then you will probably be charged with TWOC (taking without consent) as well as no driving with no license and insurance. The other persons insurance may pay out if you are found to have taken the car without consent as most cars are insured for theft. However the owner will have to prove this and if there is reason for doubt they wont pay out - unless the police say you did it, but then you will be charged. If its your car and you just dont have insurance yet but (for example) your mate has insured it for him to use while you cant drive it then im afraid it looks like you may have a heavy bill for the other cars you damaged and also court costs and legal fees if you get arrested...not to mention the heavy fine you'll get!
What happens if you get into a motorcycle accident and you dont have insurance and its your fault in Florida?
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
Can a insurance company add a driver to your insurance policy if they dont have licence in the state of South Carolina?
The insurance company can add a known driver if it comes to the companies attention that the person is driving your insured vehicle. Any person operating a motor vehicle on public roads in the United States is required to carry financial responsibility regardless of whether that person is licensed or not. A few of the ways an insurance company can discover an undisclosed driver is through a traffic ticket received while operating your insured vehicle. a learners or other drivers permit being issued to the person at your address, through an accident or claim the person had while operating your insured vehicle or through a public or private record household search of your address. A vehicle owner as well as the driver can be held fully liable for any damages or injuries sustained while a person is permissively operating your motor vehicle.
If a tractor trailer backs into you at a stop sign what happens if you dont have insurance and he admits to being at fault?
Get the driver of the truck to pay for your damage. If he refuses you may have to take legal action.
You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?
Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy.
What is Allstate Insurance's Distinguished Driver Discount?
A driver who has no points, and who has not gotten into any accidents. I have Allstate, and no points, not accidents and I dont get any driver discounts? Why?? rosealisha2@gmail.com
If an uninsured driver wrecks an insured vehile what happens when it is consider no one's fault in the wreck?
This is often a means for the insurance company to cash in on both sides of the claim. If the uninsured driver caused the collision then they need to be charged by the police or the party who was hit needs to request charges pressed against the party at fault and this needs to go through court, in the mean while the insurance company needs to be told that they cant proceed until the trial is completed and a judgment handed out by the courts. In the case of one State or Province having one insurance company this is often done to settle claims faster and double end the cost to two drivers or two insured parties. There is no such thing as a no fault motor vehicle incident, someone is always at fault and the police should be involved so that no one gets hosed by the insurance company. Dont settle call a lawyer
What happens if you was drivin a friends car..friend was n passenger seat..u hit another car cause the brakes didnt work but didnt damage the other car.the driver dont have insrurance.so who pays?
If the driver of the car has permission to drive and didn't have insurance. The claim could be filed with the insurance company that insures the car. Chad Joiner
How d0 you find out if a car is insured?
if you dont already know..then its probably not insured..
