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Who covers damages if the vehicles is uninsurred but the driver has his own insurance?
When a car is uninsured and it involved in an accident, the owner of the car is responsible for its damages and that of the other involved cars. This rule applies even if the driver has his own insurance cover on a different car.
Will insurance cover damages on other vehicle even though your vehicle is unregistered?
Yes, they will ADDED: Not enough information to provide a proper answer. Owner's insurance? Most likely not unless this is an expired registration and the registration can be renewed retroactively. Otherwise, most likely the driver's own insurance, if any, would be needed to cover the damages.
Is it the driver's fault if he hits a fire hydrant on a private property?
If a driver hits a fire hydrant on private property, then he or she is to blame. The hydrant is a stationary object that the driver should have been able to easily avoid. It is likely that, even with insurance, the driver will have to pay for any damages.
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.
What happenes if you hit someones car and they live the scene because they have no insurance.?
You prey that the other driver doesn't find out that even though he was not insured, you and your insurance co. are still liable for all damages. You still need to report the accident to your insurance co, though.
If someone borrows your car and total loss it will the insurance company pay for damages?
Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.
If you had permission to drive a friend's car and had a wreck can the friend sue you even though the friend's insurance should cover the damage?
Yes. The person is entitled to collect the insurance deductible and any other damages that were incurred due to the fault of the driver of the vehicle.
What does liability insurance protect against?
You can be sued for injuring someone, even unintentionally (as when someone gets hurt on your property). Then you are liable for damages. Liability insurance pays the damages if you lose a lawsuit.
Should you report an accident that wasn't your fault if you do not have insurance?
Of course. If, as you say, the other driver is completely at-fault, that driver's insurance would still owe for your damages, whether you carry insurance or not. Look at it this way: You have insurance, another driver backs into you, he's at-fault. You make a claim with his insurance and never even notify your own carrier. It's basically the same thing (though it's somewhat crazy to be driving around without insurance. If you plan to continue this, I hope you have some major assets you can liquidate when the bills start pouring in).
Can a driver with no auto insurance be held responsible for an accident?
Yes and in most states it is a criminal offense to drive without insurance (even if you are not at fault, you will most likely be charged with this offense). If you are found at fault and are not insured, you are still resonsable for all of the damages and/or bodily injuries.
What happens if you are in an accident that was not your fault but you do not have insurance?
Since you are not suppose to even be on the road without insurance, you will get a fat ticket for this and probably have your license suspended. Also, you will have a VERY hard time getting insurance. If you are lucky enough to get insurance, your premiums will be nearly impossible to afford. The other driver's insurance will pay for her own damages and maybe yours, but that will be a battle all by itself.
You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?
Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy.
