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In a vehicle accident with property damage whose insurance is responsible the driver's or the owner's?
Wiki User
∙ 10y ago
The registered owner is only required to furnish liability insurance.
If the owner does not have sufficient coverage (liability, comprehensive or collision), then the driver's policy would invoke as secondary coverage.
It's not nice to borrow someones vehicle, wreck it and then claim ""not my responsibility". after all, you did borrow the vehicle.
Wiki User
∙ 10y ago
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Can car insurance companies charge the passenger for the drivers fault in an accident?
No. The person driving is the responsible party.
What auto insurance do you bill if you where a passenger in auto accident?
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
What happens if both drivers involved in an accident have no insurance and no police report was filed?
If both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.
Why is auto insurance mandatory?
Driving is considered a privilege and not a right. Because it is a privilege drivers are required to prove they are financially responsible. Mandatory auto insurance is proof that drivers are financially responsible to cover damages or injuries in the event of an accident. Because most drivers cannot reasonably pay for the cost of repairs and medical bills they cause in an at fault accident, states require auto insurance to protect both third party drivers and the policyholder.
When you do not have any insurance AND the person who took your car without permission has no insurance and causes an accident who is responsible of the other parties damages?
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
How do you get auto insurance for accident prone drivers?
You get auto insurance for accident prone drivers the same way as normal drivers. You will need to provide relevant car details and your driving history information and then receive insurance policy quotes. Insurance premiums for accident prone drivers are generally much higher.
Do you have to add your child to your car insurance if they live at a diffent house hold but primary driver of the car?
Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.
Will auto insurance cover you in an accident if you do not have a drivers license?
True
Can you file an insurance claim against both the at fault drivers insurance and the owner of the car you were driving when the accident accured?
No, The at fault driver in the other vehicle is responsible for your losses. Not the person from who you borowed the car you were driving.
If both drivers in an accident are uninsured does it matter who was at fault?
Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.
Drivers With No Insurance?
Winding mountain roads, flooding rains and coal miners are only a few of the things that drivers in West Virginia have to deal with. They also have to deal with insurance rates. The best thing for drivers in the state to do is to look online for the most affordable insurance rates they can find. Car insurance is not just something that drivers can choose to have if they want to take it out. Car insurance is a requirement if drivers have a car. One of the things that are different about this area of the country is that Virginia does not make drivers have liability insurance. This means that there are plenty of drivers who are in West Virginia who may not have insurance coverage if they are involved in a car accident. Uninsured motorist coverage is a must for drivers in West Virginia in the event that they are in an accident with someone from a state that does not require their residents to have liability insurance. If an accident is the fault of the driver, their insurance policy will be responsible for the damages of themselves and others who are in the accident. A minimum of $20,000 for one person involved in an accident and $40,000 for multiple people who are in an accident is required by the state. Since there could be drivers who do not have insurance driving on the roads in West Virginia, it is recommended by insurance companies to get have more than the minimum coverage. Comprehensive and collision insurance are not required in the state, but they are two things that should be considered by drivers because of the conditions the roads can get in and other people who are driving. West Virginia is one of the states that are seeing a decrease in insurance rates. Drivers are being more careful when it comes to the rules of the road, and they are saving money by driving safely. Insurance rates are still at over $2,000, which is above the national average. Before purchasing an insurance policy, drivers should compare several different policies to get the most affordable rates possible.
Is the person responsible for an accident supposed to pay for the damages?
yes. Unfortunately many of the people who are responsible for accidents are irrsponsible in their personal lives, have no insurance and have nothing of value. Often you don't get anything from the uninsured drivers who cause your accidents.
