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Will uninsured motorist cover damages caused if the other vehicle is stolen?
Wiki User
∙ 14y ago
Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.
Wiki User
∙ 14y ago
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If I was in a 3 car accident and An uninsured motorist hit the car in front of me does the second vehicle who has insurance and then hit my car become responsible for my damages?
The owner of the car that caused your damages will be responsible to pay damages to you unless you live in a no-fault state. In that case, your insurance pays for your damages.
Does uninsured motor vehicle - pd cover damages to your car?
If you have automobile insurance with an uninsured motorist property damage endorsement it covers damage to your car caused by an uninsured motorist. If you have collision coverage the endorsement will pay your deductible. If you don't have collision coverage the endorsement will pay for damages up to a set amount, typically $3500. Before it will pay it has to be determined that the other party was at fault and that they have no insurance. In the case of a hit and run driver it wouldn't pay because it would not be possible to determine whether or not they had insurance.
If you are uninsured and get hit by a drunk driver do you have to pay for his vehicle repairs in Washington state?
Are you saying that you are uninsured, and the drunk was at fault, if simply due to the fact that you were uninsured (and of no fault whatsoever), you have to pay for his vehicle? NO, the ''at fault/negligent" party is liable/responsible for the damages they caused due to their neglience. Subject to any laws in your state barring uninsured drivers/owners from recovery of damage. But just because you are uninsured (if not at fault) you are not responsible for the drunks damages.
Does uninsured motorist coverage cover an uninsured driver of the car in a single car accident?
No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle with the owner's permission, but who is not actually named on the policy. The answer to this is 'probably' depending on the insurance company and the provisions of the policy itself, but if provided for would cover them like they were a named insured on the policy.
Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?
Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other requirements as well (such as the existence of a permanent injury or significant scarring), but lack of insurance by the adverse party is the first requirement. Note also that, again depending upon state law, if you as the injured party negligently caused or contributed to the collision, your recovery may be reduced accordingly.
What is uninsured insurance?
In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses. http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html
What happens when an uninsured driver borrows a friend's uninsured car and gets into a wreck?
Both the uninsured driver and the friend are in trouble. My GUSS IS the uninsured friend will be liable to any damages he has caused The uninsured friend will be responsible for the damages to their car If insurance is required in your state, the uninsured friend and/or driver could face criminal charges
Will your insurance pay you direct for a hit and run claim?
If you have collision coverage then yes, car insurance companies will cover the damages caused to your car, or medical treatment required, within the stipulations of your policy. However, if you don't have collision or underinsured/uninsured motorist coverage, then you will not be covered for the damages to your property or self.
Understanding Uninsured Motorist Insurance In New Jersey?
New Jersey requires that drivers hold uninsured motorist insurance because of the number of drivers in the state who are on the roads without proper coverage. This type of insurance will cover the damages that are caused by another driver in an accident if that driver does not have insurance. Many insurers will also include coverage in the case of an underinsured driver who does have insurance but whose policy does not pay enough to cover the damages that are incurred. Uninsured motorist insurance will help to make up the difference in compensation between what a driver should receive and what the negligent individual can pay. It does not provide extra money above what the main insurance policy would normally pay. One of the key elements that can dictate whether a driver will receive money due to an accident with an uninsured driver is the issue of liability. New Jersey has comparative negligence laws in place. This means that the fault for an accident can be placed on more than one individual. The uninsured driver must be found to have a larger portion of negligence than the driver with insurance. If the policyholder is found to have the larger portion of fault in an accident then the uninsured motorist coverage will not be applicable. The actual definition for who is an uninsured driver in New Jersey is not always clear and can actually be applied to a broad range of individuals. A person is considered uninsured if they are not holding any liability coverage. A person can also be considered uninsured or underinsured if they have some form of liability coverage but the amount of the policy is not enough to pay for any damages that have been caused. Another definition for an uninsured motorist is a person who had insurance when the accident occurred but then subsequently had their claim denied so that no payments are made to the victim of the accident. Some situations can occur where the person who is at fault for an accident is not present after the accident or is completely unknown. Uninsured motorist insurance in New Jersey will pay for the damages that were caused by an anonymous individual if there is some evidence that the covered driver was not at fault. This can help a driver to regain the use of their vehicle quickly and pay for medical bills but can also lead to a long litigation process once the individual who caused the accident is found.
If an uninsured driver with no license wrecks your car even though the wreck was caused by the other driver what happens?
The vehicle owner is responsible for 100% of the damages. They can let anyone drive their vehicle as long as they have a valid license (being uninsured is not a factor), but if they turn their vehicle over to an unlicensed driver, the insurance company will not pay that claim.
Will your insurance pay if the accident is your fault and you only have uninsured motorist insurance?
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Who is responsible when a driver with a suspended license in a borrowed insured car hits an uninsured motorist?
If the driver with the suspended license caused the accident then he/she is responsible.
