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.
Should you report an accident that wasn’t your fault if you do not have insurance?
Of course. If, as you say, the other driver is downright at-fault, that driver’s insurance would still owe for your damages, whether you carry insurance or not..
Look at it this way: You have insurance, another driver backs into you, he’s at-fault. You make a claim with his insurance and never even notify your own carrier. It’s basically the same thing (however it’s somewhat crazy to be driving around without insurance. If you plan to proceed this, I hope you have some major assets you can liquidate when the bills embark pouring in)..
Should you report a minor accident to your insurance if it wasn’t your fault?
Usually not, unless you need your carrier’s assistance. For example, the other driver might not make a claim with his carrier, or you were injured and have first-party medical coverage that you’d need to use..
You don’t say what the facts-of-loss are, but if there’s any question about liability, it would be a good idea to report the accident to your carrier. It’s also a good idea if the other driver was injured..
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.
If a passenger died in a car accident where it was determined the other driver was at fault whose insurance pays the victim’s family?
In most states, the law would hold both parties responsible. Therefore, both companies would be liable for any judgment rendered. The extent of each could be determined by the policies and/or the court. That would not mean that the victims family could not file a lawsuit.
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.
If you don’t report an at fault accident with a rental car to your insurance and a month later receive a bill 800 dollars what should you do?
I’m claims manager for a rental car co. The options are to pay it yourself or still report it to your insurance co. While insurers can deny coverage and not pay claims for late reporting, it’s very unlikely. They can’t do so just because of a late report, but also have to demonstrate they were prejudiced by the late report (they didnt get a chance to inspect the harm before repairs, etc.)In the event they do deny, complain to a claims manager at your co, if that doesnt work go to your state Insurance Dept or Commissioner and file a complaint. If you didnt report this because you didnt want your premiums to go up,your company will find out about it anyway if a police report was made. If you determine to pay yourself, attempt to negotiate it to a lower amount. Especially argue that you shouldn’t have to pay charges usually labelled something like “Administrative Fees” or “Loss of Use”. They’ll almost always waive these. Dont expect the rental co to just go away. Most are very aggressive in collecting damages, to the point of filing a lawsuit against you.
If you were in a car accident and the other person was at fault should her insurance pay for your rental car medical bills and all of your repairs?
yes, assuming the are allaccident relatedand she is 100% negligent, and therfore liable/responsible for your damages…….if a specific problem with some of this give more details and i can be of more assistance….. It also depends on whether your state is a “no fault” state or not. In a “no fault” state, the parties involved in an auto accident are automatically reimbursed by their own insurance company. However, it is still possible for the victim of an auto accident to receive extra compensation for certain damages (i.e. medical expenses, ache and suffering, economic losses, etc.). If the accident victim’s auto insurance policy does not cover the amount of damages they’ve sustained, they may want to consider legal activity against the at fault driver. However, this all depends on the state the accident victim lives in and the amount/type of damages sustained.
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 bods are likely to be responsible for paying compensation for harm and individual injury as a result of the accident: the driver of the vehicle, the possessor 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 holder’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. ResponseIf 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 possessor 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.
Whose insurance pays if you are borrowing another’s car and are in an accident?
Read your policy. If the policy says that anyone driving your car with your permission is an insured, then the company that insures that car pays. Many policies exclude certain drivers, so it is not a one size fits all reaction. .
The insurance for the car will pay, not the driver. Sadly, you are not required to pay anything, but if you are a responsible person, then you will….especially if it was your fault.
Can you fight your insurance company in a your fault accident after they stationary your car when it should have been totaled?
Absolutely! Regardless of fault, if you carry sufficient coverage (collision/comprehensive) you are entitled to have your vehicle either repaired to a “safe” standard, or a write-off payment received. The difficult part of proving such is in the time boundaries. DO NOT wait too long to seek a claim for a total loss. There is always the cargo of proof in this case, where you may have bruised your vehicle “after” the fact, and after such repairs were made. Note any evident harm, (eg. Doors not opening decently, engine problems) and have a certified bod shop/mechanic inspect the vehicle RIGHT after the initial repairs are made..
Generally an insurer will have an appraiser re-evaluate the damages to see if indeed, they were caused by the accident.
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).
If you are at fault in an accident while driving your friend’s car whose insurance will cover it?
In most states, insurance goes after the car. The policy in effect for the car is usually primary regardless of who was driving. If there are boundaries issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
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 reaction, 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.
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.
Do you have to call your insurance company if your car was not at fault?
The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even tho’ you do not consider yourself to be at fault, the other driver may report the accident to them anyway. Better to be safe than sorry.
What if an accident was not your fault what should the insurance company cover?
which insurance company yours or ‘at fault’ car? The ‘at fault’ party’s company (assuming they have accepted total liablity)should cover: 1) the harm caused by the accident to your vehicle. or the actual cash value of the vehicle should it be deemed a total loss, and any sales tax, licensing fees etc (total loss) Two) a rental car while yours is either deemed non-driveable and/or under repair, and for an extra 72 hours AFTER an Suggest of settlement has been made on a total loss (please note Suggest doesn’t mean you agree with the amount) Trio) any medical treatment you or your passengers received and an injury settlement for these injuries. due to the accident. Four) loss of wages, ifthere is an injury and time missed from work (by doctors orders only that you have to stay off work-not if you just don’t go to work because you want to get this taken care of, and no injury, this is under injury only) some states have P.I.P. which works differently on the injury, you have to reach a thresold to be entitled to an injury settlement……… ReactionDepends, in ontarioyou go to ur own insurance company for any fixes…a nd then your insurance company on ur behalf will get the money back from the other ppl involved.
In Fresh Jersey a rental vehicle driven by an unauthorized driver had an accident which was his fault. The passenger was injured. Whose insurance carrier should be responsible – driver renter or Hertz?
The person who rented the car is responsible because they allowedthe unauthorized driver to drive the car. Hertz would not be at allresponsible.
If an accident is not your fault do you call your insurance or the other person’s?
Usually, you call your own. They will set up a claim andinvestigate it. They will usually pay for your car and recouppayment from the other insurance, or they will request payment fromthe other insurance company directly. In most cases, you will be incontact with your own insurance company.
Whose insurance should you call after an accident?
After an accident, all parties involved with the accident shouldexchange insurance information. Typically, the insurance companieswill talk to each other about repairs and cost.
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 fellow’s car and my car. It all depends on how much coverage you pay for in your premiums..
Should you hire a lawyer after car accident if you are at fault?
It would depend on the serverity of the crash. Check with your insurance agent for advice.
Your son who has a car and his own car insurance used your car for the weekend he was in a accident the fault so far lies with the other driver whose insurance is responsible for the damages to your c?
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
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 certainly 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 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.
What if you were in a car accident that was not your fault however you did not have insurance but the vehicle is insured?
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.
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 utter coverage insurance, your car will be repaired fully and your portion of the repairs will be whatever your deductible is.
What should you do if you were in a three car accident and the at fault party’s insurance co denies responsibility?
In the UK – it is for the claimant to prove a claim. An insurance company or other party you believe to be at fault is flawlessly entitled to deny liability. There are however many chunks of evidence which can be used to prove your claim, but it is best that you contact a specialist RTA solicitor. See the link entitled “individual injury lawyer” to see how to choose the best specialist solicitor.
Should you file an accident claim with your insurance company if you were not at fault?
Yes, if only to have your side of the story on record. Do it. At the very least, phone up your insurance company and tell them exactly what happened and get their advice. They will be blessed to talk to you on the phone – this might not involve making a claim, but at least they will have a record of your version of events. If you do not do this, then later who knows what kind of skeletons could creep out of the closet – boy turns up wearing a neck brace etc, and it might be too late for the insurance company to protect you then. AAlways, the other party might lie and you might get an at fault accident record. Always call
What happens when you get into a car accident and you have no car insurance but the other car is at fault?
The other car will have to pay for the damages using their own savings to take you in a hospital and for the repairs on your car since you don’t have a car insurance yet. Added: If you live in a state that requires you to have insurance, and you don’t, you will undoubtedly be give a ticket for being an un-insured motorist.
How much money should you get paid if a car accident is your fault?
NONE. It was your fault. you’d have to pay for the harm of the other persons car too. dont expect any prize for accident.
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.
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 very likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in total. You may be able to get a limited permit to go back and forward to work only.
What if the driver at fault will not call their insurance company to report the accident?
If the other party is refusing to call their insurance company – then you should call their insurance company and file the claim.
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
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.
Whose fault – car accident?
More info– one driver was speeding down a residential street latefor work and hit a parked car’s slightly open door and ripped itoff. The parked car driver had a license and coverage but it was anew lease and had not yet added the fresh car to the policy. Thein-motion driver had current coverage but no drivers license. Bothclaim the other is at fault. Who is more screwed?
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. Recall 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 very 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.