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What happens to an uninsured driver in the event of an auto accident?
Wiki User
∙ 18y ago
Well first of all it depends on the judge and court you have to go to. I was in an accident a few years back and the person I was with had no insurance. She was the one who was At Fault. She ran a red light and t-boned another car. I was hurt and there was a couple of others in the other car who were hurt. The cops came and gave here a ticket to appear in court, the car she was driving had no insurance and it was not hers. The cops called the person it belonged to and he was able to come and get it. She went to court and she was fined a couple thousand dollars and medical bill for everyone who was hurt in the accident (who reported it). She also had to pay for the damage done to the other vehicle. In this accident I do not know about the one you are talking about, but there was no alcohol or drugs involved. So that I think can make a difference also.
Wiki User
∙ 18y ago
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Coverage To Drive?
If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.
Do you need to carry UIM on ALL vehicles you own?
UM/UIM policies are in case you are involved in an accident with a driver who doesn't have insurance or doesn't have enough. This policy is only in the event that the uninsured motorist is at fault for the accident. it is not necessary on all vehicles but it might be a good idea.
What is a accident definition?
An event that happens without apparent cause.
What are some car insurance laws that are specific to the state of Virginia?
The only specified car insurance coverage in the state of Virginia is uninsured motorist coverage. This requirement is set up so that in the event of an accident, the victim will have recourse to have medical costs, and vehicle damage, paid by the driver at fault.
Will a vehicle be covered in the event of an accident if the person driving is not the insured driver?
It could be, I would file a claim to make sure.
What happens if you have a car accident while driving on a learners permit in WA state?
you are required to notify your insurer. A new driver is considered a change in the risk factors associated with your policy, and you are required to report such changes within 30 days. If you fail to add a new driver to your policy, especially if the driver is a minor child, your insurer may deny any coverage in the event of a Wisconsin motor vehicle accident even if it's not your fault.
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.
In the Man who loved clowns what happens to Delritas Parents?
In "The Man Who Loved Clowns," Delrita's parents die in a car accident caused by a drunk driver. This tragic event leaves Delrita struggling to cope with her grief and the challenges of taking care of her eccentric Uncle Punky.
What will collision insurance cover in the event of an accident?
Collision insurance will cover any damages to your vehicle (or refund you the value of the car in the event that it becomes totaled) in the event of an accident. Collision insurance coverage typically only applies when you are the at-fault driver in the accident. Collision coverage covers any sort of collision whether it be with another car, a pot hole, a tree, a guard rail, a ditch, etc.
Do I have to report to my insurance company that my 16-year-old just received a driver's license?
Yes, if the new driver lives at the insured address or will operate one of their insured vehicles. Failure to report your child's license may result in the insurance company denying coverage and/or canceling your insurance in the event your child causes an accident, or is involved in an accident with an uninsured driver, even if your child is not at fault. Depending on the laws of your state and your individual policy restrictions, your child may also be liable for any accident caused while driving another person's vehicle (sometimes the insurance follows the driver; sometimes it follows the insurance). The best course of action is report your new driver and pay the increased premiums to avoid the possibility of paying costly damages out of pocket. For more information about teenagers and legal requirements in your state, you can use the Related Link, below, to access drivinglaws.org.
What happens if an uninsured driver borrows your insured car and gets a ticket?
Cars are not insured, drivers are insured for their liability while driving a specific automobile. This person could have had all the insurance in the world, for driving his car, but it would not matter at all while he was driving another car. In any event, insured or uninsured, he is legally responsible for the ticket. If it's a parking ticket then you must make certain it's paid even if you have to pay it yourself. Otherwise the amount due will keep increasing and will affect you, your driver's license and your car registration. Tickets issued during a traffic stop are issued to the person whose license is presented to the ticketing police/trooper/patrolman/deputy. Tickets that are issued to a car- such as parking tickets and tickets from right light and speed trap cameras are the responsibility of the person who owns the car. Note that if a an uninsured driver borrows your car and gets a ticket, they may get in trouble if they cannot show that they had permission to borrow the car since their name will not appear on the registration or insurance card in the vehicle. If an uninsured driver gets a ticket for causing an accident while driving your insured car, your insurance company will probably be asked to pay for the damage to the other vehicle - and your insurance rates may go up.
Do you insure the car or the person?
You insure a car for a person or persons, so that in the event of a accident with that car, insurance can be claimed only if a named driver on the insurance was driving at that time.
