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Will the insurance company pay for the damages caused by their driver if the injured victim is driving unlicensed and the car has been totaled?
Wiki User
∙ 12y ago
Let's see if I can follow this. Insurance company A is At Fault because of actions caused by driver A. Driver B who is not at fault is injured, but is unlicensed, and Auto B has been totalled. Insurance company A is going to have to pay damages to Driver B for property damage as well as for injuries because Driver A is deemed at fault. The fact that Driver B is unlicensed is a non-moving violation and Driver B will have to pay a substantial fines for these issues.
Wiki User
∙ 12y ago
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Can your auto insurance deny a claim if your unlicensed son was driving?
It really depends on the company. Some will cover the damages and simply non-renew you for allowing an unlicensed driver to have access to the vehicle. Others will deny the damages and non-renew you due to particular exclusions in the policy.
How can license be taken for damages owed to an insurance company?
In most countries a driving licence could not be taken as payment or punishment for damages owed to an insurance company as that you be a civil matter.
Can an unlicensed owner of a car insure it?
No If you own it, you have an insurable interest and can buy insurance. The company will want to know who will be driving.
What happens if an unlicensed driver is driving insured car and has accident and not at fault?
You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.
Who is responsible for an unlicensed driver driving another person vehicle involved in an accident?
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.
In Florida If you were in an accident and was excluded from driving the car and it was not your fault can the insurance co make the owner of the car pay for the damages on the other car?
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
If an unlicensed driver has an accident driving your car and you have full coverage auto insurance will it pay for damages?
Yes, but the rates will probably go up. Loaning a vehicle to an unlicenced driver is risky behavior that insurance companies don't generallly like.
If you are hit by a unlicensed driver on a permit driving another person's car that had liability insurance can you sue the owner or the insurance company for your injuries?
Yes, without a doubt. The owner bares the true responsibility.
What happens when adult unlicensed driver hits you and is driving an insured car?
Generally, the owner of the insured car is held liable for any damages or losses involved after an accident. So if you want to file a claim for compensation after a crash, it is better to file it with the owner of the insured car or his insurance company. The adult unlicensed driver however, can be held liable criminally if there was death or injury involved.
If you are driving without insurance and have an accident in which the other driver is at fault can you claim damages from his insurance company?
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.
What should you do if your brother got into an accident driving your car and is not on your insurance policy and doesn't have his own insurance?
The claim will be made against your insurance and the company will decide if they will pay it. If they do, your rates will increase. If not, the responsible party will have to pay for the damages.
What happens if an uninsured unlicensed driver is driving your insured car and has an accident?
If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate your vehicle. Your next Auto Insurance Policy premium will take into account your claims history and charge accordingly.
