Student accident insurance is a type of insurance plan available to students. It is a plan that is supposed to cover the student for any accidents that occur on school property or while with a school organization.
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.
Assuming that you are talking about in the case of an accident, you should only talk to your insurance carrier. They will contact the other person's insurance carrier.
NO! Driving on a revoked license is deliberat act, providing that you knew you are not supposed to drive.
Sorry to say, Eva, but an uninsured car is not supposed to be on the public streets and a person with no license is not supposed to be driving a car. Since you contributed to the accident by violating these laws, you are at least partially at fault. The other driver's insurance company is going to deny any claim you submit.
Depends on state law. You may want to tell your boss and /or your insurance agent.
It should. If the "at fault" vehicle is insured, it's supposed to cover the victim's vehicle 100%. If the "at fault" vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount. Note that the drunk driver will loose his insurance and be required to get the VERY expensive DUI "insurance endorsment" since he/she is now in the highest risk bracket. BTW, when a drunk driver causes a collision it's not called an "accident". Accident is when things just happen. Driving drunk is the CAUSE of the collision and as such the collision is not called an accident. Call it a wreck, crash or just about anything else that takes away the implication of a random act.
In all states an accident in which damage occurred (and even those in which there is no noticeable damage) are supposed to be reported to the police immediately and at the scene of the accident. If there is no police report it becomes next to impossible to collect compensation from the insurance company.
Most of the time they will be covered by either yours or their insurance if it's not a common practice. If I drive a siblings car here in IL, I'm covered by my insurance, but I'm not exactly supposed to be doing it daily. Call your insurance and pose the question. yes but in case of accident/if the other person drive/ your isurance does not pay.
You are supposed to and I would reccommend that you do. You simply notify them but do not place a claim. Covers you if the out of pocket does not work especially if a bodily injury claim comes along!
No. If you witnessed the accident you are supposed to give a statement to law enforcement prior to leaving.
They are at fault, even if that fault is shared jointly. That car is not supposed to be on the roadway, period. Therefore, it's assumed the accident would not have happened if that car hadn't been there. The driver will be cited for driving without insurance, and the car will be impounded.