Well in this situation, lets hope that both parties were licensed drivers, and they were not excluded from the policies of the vehicles in which they were driving. In most situations an insured can allow a driver to drive there vehicle, under the permissive use section of there policy. Permissive use simply states that a person can drive your vehicle on an occasion if they are not a family member from within your same household. 99% of insurance companies offer permissive use, so in most cases the drivers or the insureds have little to worry about. Thank you for answering my question. ^_^ Unfortunately, I know for sure that I was excluded from my boyfriend's policy but I'm not sure about the other person and the other car. It's been three weeks since my accident and no one from her side has contacted me in the last week and a half so I have no idea what's going on with her side. They sent me a claim form but I'm not filing a claim on them...does anyone know what happens next? I'm really confused. This is the first time I've gotten in an accident and no one's been very helpful so far (except you guys). Hopefully I can get some guidance...I'm not a very wealthy person and I don't want to end up paying more than I can for her car repairs. So if ya got any info I'd really appreciate it. ^_^ Thanks again!
It all depends on her insurance cover
As long as she has the correct insurance that allows the car to lent to a friend then it should cover you.
You and the owner will be sued for damages, hopefully there were no injuries because if there are, your life as you now know it will be over. There is nothing more reckless than to drive a car without insurance....
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Your insurance won't pay for any damage or injury to persons or vehicle. (unless they were driving legally with a drivers permit)
The at-fault driver's insurance will pay for all property and bodily injury damages.
no insurance + jail
You will be punished for the violations that you have for driving with a suspended license and for driving without insurance. These punishments will be severe but vary from state to state. The violations on your part will not effect the fault of the accident and if the other party is truly at fault then their insurance company will pay for your damages incurred in the accident.
you die
Yes it does. The cancellation of an insurance policy is not retroactive.
The same thing that happens if you did not have an Sr22. The at fault parties insurance generally pays for the accident.
Auto insurance.