If you are involved in an automobile accident caused by another driver, and that driver carries no insurance, your no-fault clause is designed to protect your financial interests.
If you had a collision and the other party does not have insurance, you would have to pay the deductible. Your insurance company would pay for any needed repairs.
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
Assuming that the at-fault driver maintained it at the time of the collision, his/her auto liability coverage would be triggered.
no
It would be your fault, so your insurance company will pay. Unless of course, you have no insurance or you flee then his/her "no-fault" insurance would pay for the damage.
You do not need to know if the car you hit has insurance if you were at fault. It would not matter if they have insurance because you as the at fault would be responsible for the damages you caused.AnswerIf the owner of the car presented you some documents stating that his/her car has an insurance.
Florida's no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Damage done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.
Usually whom ever is at fault for the accident their insurance has to pay. If you are at fault your insurance has to pay and the pizza business would pick up the rest.
If the accident was not your fault (someone rear-ended you, for example), then you would claim on their insurance, and they would pay out.
I would call their insurance, if you did not know who they are or they didn't have insurance, I would call your company and they can get the ball rolling.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.