If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
Does the insurance company have the right to total your car even if their insured was at fault for the accident?
Your car being deemed a total loss does not have anything to do with the liability of the accident. Your vehicle becomes totalled when the repair cost exceeds the local market value of your vehicle.
You were in an accident which was not your fault but you did not have car insurance are you liable for this accident?
If it wasnt your fault, then the person who was at fault is liable. I would suggest working something out inbetween the two of you, since you could have your liscense suspended if caught without insurance. II: You wish it was that effortless! It is illegal to operate a vehicle without insurance coverage. The minute the other driver’s insurance co. finds out that you were not insured, the claim becomes 50/50 and very hard to fight. You pay for yours and they pay for thiers. That’s all.
What is the process if you have no insurance and are at fault in accident?
The insurance company will subrogate (come to you for payment) you for all payments including their insured’s deductible, repairs, injuries, rental etc. You more than likely will lose your license and any plates and suffer with many fines as well. Best to be upfront contact the company and work out a payment agreement if you do not have all the money required . This could also cause you trouble in getting insurance in the future….(many companys will not insured a person/property that has went ‘uninsured’ for any length on time).sorry
Do you need insurance when you’re in a car accident but not at fault?
check your state law,but if you dont have ins.you maybe found at fault..
if you don’t have insurance, its your fault ither way
What happens to a person at fault for a car accident with no insurance if it is not their car?
It’s possible that the car owners insurance will cover the damages, but just as likely that it won’t. If it doesn’t, then the driver of the car will be fully responsible for any and all damages and will very likely end up being sued in court to recover the monies owed. It’s for this reason that all states require drivers to have uninsured motorist coverage on their insurance. .
In the UK three figures are likely to be responsible for paying compensation for harm and private injury as a result of the accident: the driver of the vehicle, the proprietor of the vehicle’s insurer (if that person had skill that the other was driving his vehicle) and the Motor Insurer’s Bureau. The driver of the vehicle will also be prosecuted in criminal law for driving without valid motor vehicle insurance. For a description of motor vehicle insurance and the MIB – please see the related link.
What happens if a car accident was not your fault but you were driving a friend’s car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are permitted to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you very first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
Involved in a not-at-fault accident is it your fault or the proprietor’s for driving their uninsured car if you thought it was insured?
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don’t work? Drivers fault. Not insured? Drivers fault. ReactionIf you drive a car that is not insured you can be ticketed for that. If you were not at fault in the accident then hopefully the other driver had insurance otherwise the harm to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the holder of the vehicle to have the vehicle insured. ResponseThe law clearly states that it is the driver’s resposibility to make sure that the vehicle he/she is driving is decently insured and there are no acceptions, you will be ticketed.
If you was in a car accident that was not your fault and you do not have insurance can you receive money from the other party’s insurance company?
Every once in a while you will hear of a proposed law “Pay to Play” which says that if you are driving illegally without insurance that you can’t expect to receive payments from an insured driver that runs into you. While I and many other people might like such a law, I have never heard of such a law that is in place at this time. So, if you are truly not at fault in the accident then I would imagine that you should be able to get payment from the at fault party.
What do you do if you had an at fault accident but you have no insurance?
They can sue you. If you have no money in the bank or no assets (a home, vehicle, valuables), then it won’t do the other person any good. It will be almost unlikely to get insurance now that you have an accident on your record without coverage (big no no). In the mean time, hopefully the other person has insurance to cover themselves against people who are uninsured in an accident.
Do you have to tell your insurance policy that you were involved in an accident with a company car even however it was not your fault?
U should .
I heard that u should, and if your individual insurance finds out that u were involed in a accident with a company car under company insurance ur insuance can be black list u..
i could be wrong.
What happens if you are in an accident that was not your fault but you do not have insurance?
Since you are not suppose to even be on the road without insurance, you will get a fat ticket for this and most likely have your license suspended. Also, you will have a VERY hard time getting insurance. If you are fortunate enough to get insurance, your premiums will be almost unlikely to afford. The other driver’s insurance will pay for her own damages and maybe yours, but that will be a battle all by itself.
What do you do if you get into a accident with someone who does not have insurance and you are not at fault?
Most no fault insurance laws protect the not-at-fault party. Your insurance will indemnify your loss and penalize the un-insured motorist. DO NOT make outside deals with an uninsured person after an accident as this boundaries your capability to make claim.
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 harm. If you also purchased collision insurance, that will pay for your vehicle (less the deductable).
What happens if you have no insurance and are at fault in an accident?
Obviously, you can get a ticket. You also can be sued by the victim and the victim’s insurance company for damages. They will look at your assets and see what can be liquidated to pay off the judgment. This could bankrupt you, depending on your state’s rules for what assets you can protect from liquidation. The victim will have an attorney who will get paid at least a third of what is collected and has a strong motivation to get every last penny they can from you. Going without liability insurance is a very, very, very bad idea, not to mention it is against the law in 49 states.
When you are not at fault for an accident does the insurance company owe for collision insurance that I buy on the rental car?
“No” , not in most cases. I am assuming for the sake of answering your question that the facts are similar to this; you were in an accident you were not at fault the other company has accepted liablity for the loss, and put you in a rental while your vehicle is being repaired you only had liablity coverage on your vehicle (the one in the shop). But of course need collision and comprehensive on the rental you are now using. They do not owe to pay for this coverage for you (subject to any state laws to the contrary, you could call your states dept of ins. for that response, but I know of no states that require this). The presumption is, you didn’t think it was necessary to cover your own vehicle for coll and comp so why would they pay for it on the rental? I know your vehicle was older, this one is fresh, etc. I totally understand, but I have seenvery fewof these where the ‘at fault’ company will provide this coverage, you can of course buy/pay for a harm waiver for this rental with the rental car company, or contact your agent, and ask if there is anything they can do about a ‘brief term’ collision and comp coverage for this rental (but again I doubt this too)…..sorry, If I can be of any further assistance please let me know more details and I will do my best to help.
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the proprietor of that car and is not on that car’s insurance policy?
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers “you” from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle..
Concerning the party that is not the holder nor on the car owners policy, the car proprietor’s auto policy covers the car and any lawful driver aslong as their were no “misrepresentation” on the insurance application/contract. By misrepresentation I mean, at the moment the car possessor signed the application and contract he was to state any material facts that could switch the underwriting decision such as premiums. For example, if the car proprietor has a son who will also drive the car, the car possessor is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a “undisclosed driver” was operating the veichle the insurance has Two options. 1. He can Void the policy/contract and not cover the auto holder. or Two. He can cover the auto holder and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car..
Note” In uncommon cases, an insurance company will cover the “undisclosed driver” aslong as the difference in the premium is paid.
What happens to a person at fault for a car accident with no insurance?
Most likely nothing. It depends if the other person had insurance. The worst that would happen with a clean record is you license suspended no more than a year.
What happens if an accident is your fault and you have no insurance?
If the other person has insurance, you will most likely be contacted by their insurance company. You’ll have to foot their repair bill or risk being sued..
Depending on your State’s laws regarding insurance requirements, you may also have to pay a fine in traffic court, provide proof of having since obtained insurance, or possibly risk losing your license. Read up on your State’s laws on their website for that information.
Can car insurance increase if an accident is the other driver’s fault?
If your insurance had to pay anything out on the incident, you could be hit with higher charges.
If you are in an accident and at fault will the insurance company repair your car?
It depends on what company you have insurance with, where you live, and how much coverage you have been paying for. I have The Hartford Insurance. I was in one, I was at fault and they paid for repairs on the other man’s car and my car. It all depends on how much coverage you pay for in your premiums..
In motor vehicle accident and person at fault has no insurance?
When someone causes an accident and he has no insurance, he isliable to pay for the damages out of his own pocket. Some of thecosts may be too much to bear and that is why people are better offhaving insurance.
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 Tho’ OUR INSURANCE HAD RUN OUT BY AMONTH?
Is a driver with no insurance at fault in an accident?
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won’t.
What do you do if in a car accident and both vehicles do not have car insurance?
what can you do, both drivers are in the wrong and braking the law, so report it to the police and both partys will be charged and then prob get a fine to pay for the harm, also points on the licence
What is a person at fault with no car insurance in accident to do. in a car accident where i was at fault. i does not have insurance on my car. both cars are totaled. other woman has insurance help?
If you were at fault, then you are liable for all costs. Whether you have insurance or not does not negate your liability. In most states if you fail to pay for the claimants losses you will lose your driving priviledges for up to Ten years or until you pay the bill which ever comes very first. If the other person has insurance to pay for their losses then you will be required to re-imburse that Insurance Company for the damages you caused, You are still the at fault party and are liable for the damages. If you don’t pay the Insurance company they can also turn it over to a collection agency and it will undoubtedly affect your credit for the next Ten years. Basically to sum up. If you don’t pay the damages you will likely lose your credit rating as well as your drivers license for the next Ten years. Good Luck
I have insurance and permitted a friend to drive my car and she had an accident who is at fault?
Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
You were in an accident your car is a lease and it was your fault and you have no insurance what is going to happen?
You are going to have to pay all cost out of pocket. Also you may be given a severe ticket for driving without insurance.
What do you do if you get into a car accident with no insurance and you are claimed to be at fault?
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle?
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.
If a vehicle that has been stolen is involved in a car accident and is at fault whose insurance will cover the harm to the 2nd vehicle?
The 2nd vehicle will be covered by it’s own insurance. That company will then attempt to sue the driver to recoup it’s losses
In Michigan if you don’t have car insurance and in an accident that is not my fault what happens?
As far as I know, if you don’t have insurance, you ARE at fault. That’s how it is everywhere I’ve heard of, but I don’t know about Michigan. Good Luck!
If you get into a car accident and it is not your fault will your insurance go up?
Not if it is deemed to be 100% the other drivers fault and they have insurance.
Can your car insurance not pay if you have an accident in the insured vehicle but no valid license?
Sure. If you have no valid license, you have no business driving a car at all. If you weren’t driving illegally, you wouldn’t have had the accident.
Can you get money from the opther persons car insurance for your injuries even however the accident was your fault?
No. If the accident was your fault, you can not get money from the other person’s car insurance.
Whose insurance should I call if there was a car accident and it was their fault?
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.
If your wifey is killed in a car accident that was not her fault how does the insurance works?
In the United States, you see a lawyer. The Insurance Company offers you the least amount possible. The lawyer may be able to get you a lot more money.
If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have total coverage insurance, your car will be repaired downright and your portion of the repairs will be whatever your deductible is.
What happens if an accident is your fault and you have have insurance?
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
What happens if you have been in a car accident in a taxi and the accident was driver’s fault but she had no licence and no insurance?
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.
Who is Liable for an accident if the driver of the vehicle that is at fault has insurance but the car he is driving is not registered in his name?
It indeed depends on the laws of your State and the policies involved. That being said, usually the policy on the car in question is primary in the resolution of any claim, and then the driver’s policy would be in a secondary position.
What do you do if you were not at fault for the accident but have no insurance?
hope to god the other car has 3rd party insurance. Third Party insurance covers you for harm caused by your car to property possessed by a third party in the event of an accident. That means you’re covered for any harm you may accidentally cause to someone else’s property.
What do you do if you get into a car accident and have no insurance and your at fault?
Beg and Pay. You will be responsible for all costs associated with the accident. If you don’t have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should attempt and work out a payment plan with the insurance company. Depending on the state you live in you will most likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in utter. You may be able to get a limited permit to go back and forward to work only.
Can a passenger in my vehicle come after my insurance company after an accident that was not my fault and the car that hit us had insurance?
If you have medical, yes because your medical under your car insurance covers your passengers, regardless of fault.
Had an accident which was not your fault can you still rent a car through your insurance?
That depends on the text of your insurance policy. Whatever it says in it, is what you’re covered for.
What if you are hit in a car accident and you are at fault and the person who hit you has no insurance?
In case of Car accident if your car is having valid insurancepolicy at the time of accident then you are liable to get the claimfor the loss. While different companies have different disbursementpolicies and depreciation charts which would be followed for claimsettlement process. Turtlemint car insurance offers a faredepreciation chart and effortless claim process which simplifies thecomplete process and helps to get the tasks done hassle-free
Had an accident my fault did not have license or insurance What can you do?
Contact the other parties insurance company and hope that they have uninsured motorist coverage which will not help you in any way except that the person you hit will be paid for all damages you did and you will be able to work out a payment plan in order to repay the insurance company for these losses plus interest. Maybe this will keep you out of jail. Depends on your state laws in that matter. In most cases I have seen you will liberate your drivers license until this is paid in total. Perhaps if you demonstrate the judge that you have done this they will issue you a permit to drive back and forward to work.
What happens if you are driving an uninsured car that you also own and you get into an accident and it was your fault I have basic insurance on another vehicle but none on this vehicle in question?
If you are driving an uninsured car that you own and you get into an accident that is your fault, then you have to personally pay for the various expenses that may result from that accident, which includes both the cost resulting from harm to the cars involved, and also any medical expenses which result from injuries to people in those cars. Since you also are legally required to have insurance, the police may impose extra penalties.
What if you failed to get the insurance information of the party at fault in a car accident?
If you failed to contact the police after the accident you may be in serious trouble here. You have no proof that an accident even occurred except for the harm to your vehicle. Do you know the other party? If not why would you permit them to leave without getting some information from them? This sounds fishy to me and I’m sure it will to your insurance company as well. Unless you plan to just pay for it yourself, I would recommend that you tell the company the entire truth in the matter and not attempt to make up something to help a friend as they have seen it all.
Can you sue your own car insurance if it was not your fault in a car accident?
What you are telling is that the police department determined that it was your fault; your insurance company investigated and determined it was your fault; but you still want to waste money suing your insurance company because of all the facts. Sure, sue away. Reminisce that you will have to prove that you have monetary loss because of something that they did. You do have loss as your premiums will go up due to the loss being on your record. You should also know that this will not make you look good to your insurance company from here on out. Have you spoken with the police officer about the report he filed and also his superior about reviewing the report that was filed.
Does a no fault accident on your motorbike affect your car insurance?
as a general rule, if it occurred on the road and the “motorbike” is being used as a “vehicle” as in driving on a roadway like cars etc vs offroad… then it very well may affect your auto policy. In some states a report is required for any death or injury which includes “offroad” but since in a case like that it was most likely a “recreational type vehicle” it may not. The type and size may play a part as well. It may need to be classified as a “motor vehicle” to trigger the reporting requirement, which may be different deoending on the state.