I am sure that there are examples to the contrary, but the car owner is the one responsible for the insurance. It's your car. It's your responsibility to make sure it is insured......it would also be your responsibility to make sure whom ever you loaned it to were licensed and legal.
Not if it is deemed to be 100% the other drivers fault and they have insurance.
Not unless there are unusual circumstances. Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.
yes
The insurers of the driver who was deemed to be at fault for the accident.
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
Yes, everyone should have umbrella insurance. It will help cover you if an accident happens on your property and it is deemed your fault. Normal insurance has liability limits and it will keep you from going bankrupt after a lawsuit.
Your car being deemed a total loss does not have anything to do with the liability of the accident. Your vehicle becomes totalled when the repair cost exceeds the local market value of your vehicle.
Don't know the statute but it is probably under common sense. If your health insurance paid for medical costs caused by an uninsured motorist for which you have coverage shouldn't they be reimbursed. I suppose you think it's a better idea for you to collect twice for the same charges and keep one of them. Not going to happen. All health insurance plans have a clause that states subrogation rates for other coverage will be deemed reimbursed from the auto claim. Sorry.
In the UK your motor insurance ramains valid for the full term of the original policy, however when you need to renew the cost may well increase because you are deemed to be a higher risk and/or your no claims bonus will be reduced.
http://secdr-images.s3.amazonaws.com/EArticle/The_Risks_of_being_an_Uninsured_Driver.jpg The risks of being an uninsured driver can vary from state to state. Driving without auto insurance can end up being very costly if you become involved in an accident. A number of U.S. states won't even issue you a license without proof on insurance and carry minimal coverage amounts that meet their minimal state requirements. In many states, it is simply considered a criminal offense to drive without insurance. You may even be jailed in some states if caught while driving without proper auto insurance. Other states will automatically suspend your license and impose fines which can be quite steep. You may not get your license back until you pay off those fines and provide coverage. Additionally, some states limit the amount the damages you can receive if you are involved in an accident. An uninsured driver may be prohibited from seeking damages for pain and suffering even when the person was not liable for having caused the accident in the first place. In other states, the uninsured driver could be deemed financially responsible for any and all of the damages if they are found liable for the accident. This is especially true in a state which has no-fault insurance but limits the liability for insured drivers who may only be responsible for a specified or capped amount. The biggest financial headache faced by uninsured motorists is that when they are involved in an accident they will have to use their own financial resources to pay for legal representation. This could be to either offer a defense or to get recovery from the other party's insurer. You will not have the backing and resources which an insurer offers to its policy holders to limit your out of pocket expense. Additionally, if a judgment is imposed against an uninsured river, you may not be able to get your license back until the imposed judgment has been paid. In a major accident where you are at fault, the results can entail a considerable financial burden in the hundreds of thousands of dollars or much more. You could well be forced in having to declare bankruptcy as a result.v Another drawback to being uninsured is that even if you win a judgment in your favor, you will have the added difficulty and expense of trying to recover the judgment.
If the car has not been repaired but the damage is cosmetic they will probably insure it for liability only If the car has been repaired it will be no problem to get insurance. If the car is deemed salvage or rebuilt, you can get full coverage, however keep this in mind. A branded title makes the car worth 35% less than average retail. The coverage AFTER the accident , of course would not caver any claims concerning that accident.
It depends on who is at-fault for the accident. Your rate doesn't rise based on how much money was spent towards repairing your vehicle, it rises based on your driving/accident history. If you were in an accident and deemed not at-fault, supposedly your rate will not go up. However, I've seen my own rate go up AFTER an accident finally dropped off my record AND I had no tickets or citations, and the reason was given as "insurance rates have risen all over the state".