The owner of the car and their insurance company are responsible for paying for the damages as a result of the accident. To avoid this problem, you can start hiding your keys.
You get to, accident would not have happened if you werent on the road!
The Insurer of the at fault driver pays for the accident.
what exactly are you asking. what is the question
Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.
The At-Fault motorist (via their insurance) is liable for damage to property.
Collision coverage pays to repair your vehicle after an accident. Comprehensive coverage pays to repair your vehicle for damage caused by something other than an accident, like fire, theft, and vandalism.
you would be the payer of the damage done to your own car.
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
The person who is found to be at fault or liable pays for the damage.
That is the part of your insurance that pays for damage to your vehicle, when you are at fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.
In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.
The unlicensed driver is responsible for all damages. If they are a minor the parents may be forced to take responsibility. Sadly, the owner of the vehicle MUST make any insurance claims they are eligible to make. The owner can ask the unlicensed driver to pay any excess on the insurance and even take them to court if they refuse to pay it. The driver of the vehicle is responsible to pay any amounts not covered by the vehicles owners insurance, including damages to the car. If the insurance premium goes up or you loose your no claim bonus then I'm sorry but the driver is not liable for that. If the unlicensed driver drove the vehicle without permission from the vehicle owner then the vehicle owner must report that the car was stolen at the time of the accident, then provide the insurance company with the police report number (you can tell the police you don't want to press charges). Under these circumstances even if the insurance company pays out damages for the vehicle they may chase the unlicensed driver to pay them back.