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All states require finanical responsiblity, most people do not have the funds required therefore they carry insurance.
Of course it is not automatically your fault if the other driver is uninsured. It is your fault however, regardless of the other parties insurance if you were the negliegent or deemed repsonsible for the accident. Them (or you) not having insurance does not play into the investigation of the accident and fault/liablity determination, (subject to any state laws that bar an uninsured driver from recovery).
Also a person (in this scenerio, although not asked), would/could not sue the insurance company they would sue you, and if a judgment is entered against you then your company would have to pay the judgment, (always advise your company immediately if suit papers are received and your company will reprent you) also most minor accidents (under 5k or whatever your state has as it's limit), an attorney is not needed and the majority of these cases are handled in small claims court where the parties represent themselves, and only have a small filing fee.
Most insurance companys have a subrogation dept. that handles recouping all costs from the other ''At Fault'' carrier, or the uninsured party, the latter of course takes some time usually. File the claim with your company (assuming you have the appropriate coverage), they will handle your damage, then once all payments have been made they will 'subrogate' the 'at fault' party or company.
Always provide all information whether you think helpful or not to the claims dept when they are investigating the claim. good luck.....
lori
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Sorry I just thought of something, maybe you are confusing 'at fault' with your collision coverage (and deductible--yuck & yikes !!), paying the loss (due to the uninsured drivers negligence). Unfortunately when an uninsured driver causes an accident, they don't have the money to pay the claim, therefore we use our collision coverage, that has the deductible the insured chose at the time the policy was written/purchased, also unfortunately (and people have a hard time with this), the deductible applys whether or not you are at fault, it is a coverage deductible, not a 'cause of loss' deductible (not that there is such a thing).... hope that helps answer your question if you want more specifics and care to give me the facts of loss, I would be more than glad to provide whatever help I can.....again good luck.......lori
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In some states the other person is breaking the law for not carrying at least third party insurance to cover damage to other vehicles if it turns out the accident was their fault. If it was your fault and it's obvious (like you rear ended the guy; always your fault) you need to tell your insurance company right away. I mean, you need to tell them anyway, because you pay THEM to deal with car accidents and not YOU. If it was your fault and he had no insurance, then for him to sue your insurance company he is going to have to hire his own lawyer because he has no insurance company to take care of all this for him. If it was his fault and he has no insurance, you or your insurance company is going to have a hard time.
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Does full coverage insurance cover damages to the other persons vehicle if you are at fault in a no fault state?
In this state, a no fault state, full coverage insurance covers the other vehicle if you are at fault.
What does liabilty insurance cover?
Auto liability insurance covers physical damage to the other vehicle if you are at fault. It also covers injuries for parties in the other vehicle when the accident was your fault. It does not provide any coverage for your vehicle, you, or passengers.
Whose insurance pays when someone else hits your car?
If the other party was clearly at fault in hitting your vehicle then their insurance will pay for the damage to your vehicle. The key is that it is their fault. The way you word the question you don't state that they were at fault but that they hit your car. If it is determined that they were at fault then their insurance pays, if you were at fault then your insurance pays.
If you were in an accident with no insurance and it was not your fault but the other car at fault has insurance and was issused a ticket will there insurance company pay you or the bank?
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
What is vehicle liability insurance?
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
What can be done with a totaled vehicle under lien and only liability insurance?
If the accident is your fault, your insurance company is not going to pay out anything. If it is the other person's fault, the other insurance company will be liable.
If you are in an automobile accident in Mass and the other driver has revoked insurance and leaves the scene are you automatically not at fault?
No, if you were negligent, and 'at fault' you still are, however, if they leave the scene doesn't sound like you will have to fix their vehicle, but you could still have a 'chargeable' accident on your policy.
What happens if a fully insured driver admits fault for hitting a parked vehicle but the other driver involved in the accident had no license insurance or registration?
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
Can your car insurance pay you for pain and suffering if the other person is at fault?
Not in most states. The other person who was at fault's insurance will pay for your injuries as well as damage to your vehicle and property.
You have collision insurance is uninsured motorist insurance necessary?
Collision insurance will cover the damages to your vehicle- no matter who is at fault. Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering). Liability = Other vehicle damage Injuries to driver/passenger in other vehicle Injuries to passengers in your vehicle if you are at fault Collision/Comprehensive = Cover damages to your car Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage
If you are in an accident and it is your fault does your insurance pay for both cars?
No lovey not if your the one at fault... Insurance only covers the other person if your at fault sorry honey..... It depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cover the other person's damage. If you also purchased collision insurance, that will pay for your vehicle (less the deductable).
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
