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How does liability insurance work when the driver has an accident and kills a passenger due to drunk driving?
Wiki User
∙ 14y ago
- Barring any policy exclusions to the contrary, the driver would be held responsible (assuming they were At Fault for the accident), and their Bodily Injury Coverage, (and perhaps medpay and pip, and some others) would cover this sensless death, up to the policy limit. More accident/loss details and I could perhaps assist you more.
- In the UK all drivers must have in place a valid policy of motor insurance which will cover injury or death to third parties as well as damage to third party vehicles. The motor insurance policy will pay for the fatality caused here, but terms of the insurance policy might allow the money to be recouped from the driver depending on the clause relating to excessive alcohol consumption. The driver would also face a criminal conviction. To read all about the different types of motor vehicle insurance see the related link entitled "accident car insurance" and to see the claims process following a fatal accident see the related link entitled "fatal accident".
Wiki User
∙ 14y ago
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Driver become subject to liability insurance law when accident damages amount to?
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Drivers become subject to the liability insurance law when accident damages amount to?
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
Can car insurance companies charge the passenger for the drivers fault in an accident?
No. The person driving is the responsible party.
If an insured driver was driving your uninsured car would their insurance cover an accident?
Only if the driver was responsible and only for his liability
Whose auto insurance will cover your passenger if they have no auto insurance?
Answer 1: If you are driving with a passenger that does not have auto insurance or medical insurance, they can be covered under either your policy or the third party's policy depending upon the situation. If you are found at fault for the accident, Medical Payments or Personal Injury Protection will pay the a portion of the medical expenses that you and your passengers incur up to the stated limits. If you carry Uninsured Motorist and are hit by someone with no insurance, this coverage will pay for injuries to you and your passengers as well. If you are not at-fault for the accident causing injuries and the other party has insurance, the third party liability insurance coverage will pay for injuries to you and your passengers based on the per person and per accident limits stated on the policy.Answer 2: If the passengers are travelling in your auto and, if you are at fault in an accident, your insurance will cover them. If the other driver is found at fault, his/her liability insurance will cover your passengers.
Can you sign a waiver stating that your auto insurance will be responsible for you while you are a passenger in a company vehicle and do you need the permission of your insurance company to do that?
If you have liability insurance your insurance should cover you while driving another vehicle with permission of the owner. The problem with a company truck is the limit of liability you might have to have.
Does general liability covers driving accident of an employee?
No, Your general liability insurance covers accidents on the work site. Commercial Auto Insurance would cover the work related auto accident of an employee. If the employee was injured while on the job, Your workers comepensation coverage would also apply.
If you are driving without insurance and have an accident in which the other driver is at fault can you claim damages from his insurance company?
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.
If driving a car with no insurance will home owners insurance cover you?
Not in the UK. It is probably the same elsewhere in the world Home insurance will cover your legal liability, but not while driving a auto. Hence auto insurance. the best u can get out of ur home insurance is maybe ur contents in an auto accident.
You Must Have Liability Insurance?
Whether you are driving to work or driving on vacation, the law requires you to carry liability car insurance. The minimum amount of coverage you must carry is mandated by each state. Your coverage protects you in your home state as well as in any other state in which you may be traveling. Liability insurance is mandatory because it covers injury or property damage you may cause. If you get in to an accident that is your fault, your liability insurance will pay up to the full amount of your policy. Today, minimum requirements will usually not be enough if you are involved in a serious accident where someone is badly hurt. To protect yourself from being sued personally, you should buy a sufficient amount of automobile liability insurance.
Who would cover your sons injuries sustained in car accident while driving in NY state with AL liability only auto insurance?
Liability is only to cover the other person. You might have to pay out of pocket for your son.
