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.
Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.
Probably. When you purchase insurance, you are insuring the car. If you drive someone else's car and have an accident, their insurance should cover the costs (but their insurance *may* sue your insurance company for compensation/reimbursement.)
the info you need is the drivers name, the car insurance company they use, the car insurance agent they use, the car plate number, the owners name, and the phone number of the driver.
Car insurance for new, young drivers is more expensive then adult's car insurance. The reason is drivers have to prove to the insurance companies that they are safe drivers. The average insurance for new drivers is anywhere from $2000 to $5000 a year, depending on the type of vehicle insured and one's location.
Several companies offer car insurance for learner drivers including the AA, Aviva and City Insurance. If the learner driver is going to be learning in a car owned by a qualified driver with their own insurance policy it may be possible to add the learner driver to that policy for a nominal fee.
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.
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.
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.
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.
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.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
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.