The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.
I can only speak for Florida because that is where I live and it is a no fault State. In Florida it really would make no difference to you if the other driver did not inform his insurance company of an accident. Really, you would only have to file a claim with your own company and contact his insurance company after the accident. I would just make sure you have the other drivers info so that you can contact them about the accident.
He gets arrested.Added: You could consult with an attorney to determine if you have a suit against the cab drivers employer. If it was an "independent" cab (driver-owned) then you might have a suit against the driver and/or his insurance company.
There are many programs out there suited for accident prone drivers. Try progressive.
If they don't have a licence they won't have valid insurance. Your own insurance company will advise; in the UK there is a pool to cover this, but it'll be different elsewhere.
I doubt there is insurance available to you. With a permit, you are actually driving under the authority and liability of the licensed driver in the car. It is their insurance that protects you and other drivers in the event of an accident. Once you have a driver's license and own your own car, you can purchase insurance from almost any insurance company.
I doubt there is insurance available to you. With a permit, you are actually driving under the authority and liability of the licensed driver in the car. It is their insurance that protects you and other drivers in the event of an accident. Once you have a driver's license and own your own car, you can purchase insurance from almost any insurance company.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
Accident prone drivers who get into more accidents than the typical person cost the insurance company more money. Thus insurance companies charge higher insurance policy premiums to reflect this increased risk to them. You may also consider taking some safe drivers educational courses as well.
It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.