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What should you do if your uninsured car was totaled by a drunk driver whose insurance has a 5K limit but you owe 1800 dollars on the car?
Wiki User
∙ 17y ago
I will have to make one or two assumptions here. I am assuming: 1. The 5K limit you refer to is for property damage. (Though I don't believe their is any state with liability limits quite this low.) 2. The drunk driver was indeed liable for your damages resulting from this accident. However, I have to wonder: How is it you owe money on the vehicle and were not required by your creditor to carry some insurance to cover the vehicle? Generally, the lender will force-place coverage on the vehicle, when there is money still owed. Check to see if there is some. They don't shop around for bargains, trust me, so the premiums (which would also be billed to you) will have been pretty phenomenal. Howevever, we can still go back to the first assumption and the 5K limit of the other driver's policy. This is sufficient to pay for your damages, so none of the other issues should come up. California has a PD minimum of $5,000 which is completely ridic in my opinion. Check if you have underinsured motorists property damage, otherwise it can be covered under collision minus your deductable. If your damages exceed the responsible party's insurance coverage, file a lawsuit. There are lots of lawyers advertising free consultations and no fee if they don't collect.
Wiki User
∙ 17y ago
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You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?
Its your fault
What does the finance company do when a car is totaled and there is no collision insurance?
If the driver was uninsured or only had liability insurance, they would be liable to still pay the finance company back or face a lawsuit.
What if a person hit your car and totaled it but they don't have enough insurance covage what should you do?
You uninsured motorist coverage, if you have it should handle the gap. Otherwise, you can sue the driver that hit you for the difference.
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
What happens if there is an autombile accident with a motorcycle and you have insurance but the other motorcyclist does not have a license or registration?
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?
They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.
What happens if an Uninsured driver hits another uninsured driver?
Uninsured driver hits another uninsured driverYour both out of Luck, Neither of you have insurance. Both drivers will likely be fined and both drivers will likely have their drivers license suspended.
How is one protected under car owners insurance when one drives and is in an accident with a party that does not have insurance?
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
what is the minimal amount insurance co. to pay an uninsured driver is it 500 dollars minimal(i got rear ended)?
It is solely dependent on your insurance benefits. If you don't have uninsured or underinsured drivers provisions on your policy, they don't have to pay anything. Call your agent and find out!
What is an uninsured motorist endorsement?
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.
What happens if the driver who is not at fault for an accident does not have insurance in California?
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?
My insurance canceled uninsured person hits someone in rear what happens to me
