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If the insured vehicle had collision coverage, the most direct route by which to have the damages taken care of would be by making a "first-party" claim against your own insurer. If you did that, you would be responsible for the payment of the deductible. When the insurer pays for the repair of your car, it acquires the right to pursue the wrongdoer to get its money back; that process is called "subrogation". More often than not, the insurer also attempts to recover your deductible.

Collision coverage is not usually mandatory unless the car is financed. In that case, the lienholder probably will require it if only to protect the value of the collateral on which it has loaned money.

If you had no collision coverage, you may file a lawsuit against the owner/driver of the at-fault vehicle. If the driver was using the vehicle with the owner's express or implied permission (assuming that they are different people), both parties are potentially liable and you would be able to seek recovery from both. That is, although you could only recover your damages once, recovery could be had from the driver, the owner, or some combination (called "joint and several liability").

The suit would be to recover the cost of repair and other damages that may have been incurred (such as reasonable rental expenses, loss of use (if there was no replacement car rented), towing charges, etc). The court in which suit would be filed depends upon the amount of damages. It is always a good idea to see if the other party is willing to voluntarily settle the claim, as it never a certainly how a lawsuit will turn out, or whether, even if you win, you will be able to collect.

If you have to file a lawsuit, it would likely be based upon a legal theory called "negligence", which essentially means "carelessness". In Florida, which adheres to the theory of "comparative negligence", your damages will be reduced depending upon how much negligence is attributed to you (if any). Therefore, your realistic assessment of the degree of negligence of you and the other driver will be among the factors in determining how hard you press the claim and when or if you compromise.

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Q: Who In Florida is responsible for paying for damages to the vehicle one has insurance the other does not?
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Whose insurance is responsible if a tree on your property falls and damages another person's vehicle during clear weather?

Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.


If I was in a 3 car accident and An uninsured motorist hit the car in front of me does the second vehicle who has insurance and then hit my car become responsible for my damages?

The owner of the car that caused your damages will be responsible to pay damages to you unless you live in a no-fault state. In that case, your insurance pays for your damages.


Do I have to pay for damages to a vehicle you collided with in no-fault state Florida -if the accident was deemed my fault and i had no insurance?

yes


Do you have to get insurance right after you get your drivers license if you dont have a car?

not if you live in the state of Florida but the vehicle you operate has to have insurance. i.e. who ever owns the vehicle is responsible for insurance.


Is an insured driver on your policy responsible for damages that they have not repaired on your vehicle?

== == In the event that you got into a car accident and it was not your fault but the other driver's, if he is insured, his insurance company is liable to pay for the damages of your vehicle. On the other hand, if the other driver is not insured, your own insurance company, provided you have a policy regarding uninsured or underinsured drivers, will be responsible for the damages your vehicle has incurred. They however, may have a right of action against the person responsible for the accident. The person who caused the damage to your vehicle is ultimately responsible for the damage to your vehicle regardless of whether there is an applicable insurance coverage or not. Whether you actually have the repairs done is none of their business.


Whose auto insurance will cover you if driving another persons car in Florida?

The insurance policy on the vehicle you were driving will pay any damages assuming the owner of the vehicle and the owner of the insurance policy is one and the same.


Do you need windstorm insurance if you are renter?

I am renting a trailer and a limb falls on my vehicle while parked on the property who is responsible for the damages


Why is it your fault if you have no collision insurance?

Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be at fault.


Who is responsible for damages if you are not insured driving someone else vehichle?

The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.


What does auto collision insurance mean?

Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.


If someone is driving your vehicle which is covered with collision and has and accident and is at fault are you responsible for all damages and costs or will their insurance cover it?

== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.


What if a unsured licensed driver is driving an insured car and causes an accident?

Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.