Let’s look at this logically: (1) You are $15,000. ‘upside-down’ in a car THAT YOU DON’T OWN. (Two) The car was bruised. (Trio) Your insurance company gave you money TO REPAIR THE CAR. (Four) you want to turn the car back. (Five) Un-repaired, and (6) keep the insurance money. Let’s see – what’s wrong with this picture. (1) Odds are that the lender will very likely consent to take the car back but I earnestly doubt that they will forgive the difference inbetween what you owe and what they can get for it on the wholesale market. (Two) You don’t “own” the car – the lender actually wields the car and lets you use it under the terms of your loan contract. (Trio) The insurance company has contracted to insure the car in order to keep it in a condition that protects the lender’s asset. Therefore, you don’t actually have any ‘right’ to the insurance money it belongs to the possessor/lender. If you keep it, technically you have committed both fraud AND theft (fraud against the insurance company and theft of the lenders asset money). I think that the better part of the entire deal would be this: Get the car repaired as inexpensivley as possible before you turn it in, and THEN keep whatever is left over. Lets’s you off the hook both legally AND morally. Good luck!
What would happen if a friend lets you borrow his insured car and you get into an accident but you do not own a car or have insurance?
I believe most insurances will cover the damages if the car is insured and you have a license, but if you do not have a license the insurance will not cover anything you are both liable. Your friend is liable for loning you the car without a license and you are liable for driving it.
Who is liable if you borrow someone’s car get into an accident and neither one has no car insurance?
Assuming that the driver of the borrowed car was at fault, both the proprietor and driver can be held liable. The injured party will most likely sue both..
Whenever you borrow someone’s car, ALWAYS request proof of liability insurance before taking the keys because if this happens not only can you be sued but you might liberate driving privledges until the injured party has been compensated in total, unless the person you hit had UNINSURED MOTORIST coverage in which case you’d certainly be off the hook but your friend’s car would be siezed and auctioned by police for sure..
If an uninsured driver who borrowed her roommates insured car got into an accident how can the driver take total liability if necessary?
If it’s NECESSARY, the judge will tell you what to do. Most likely have 25% of your wages garnished until the judgment is sated. If you are college roommates, you may still be covered under your parents’ auto policy or an umbrella policy if they have one. But any insurance that may apply to you will be secondary to the holder’s policy and unless the damages exceed her thresholds, any liability to any other person’s property should be covered. Of course, if she does not have collision and comprehensive, they will not pay for any harm to her car. In that case, if you have no coverage and she doesn’t want to take you to court, your only option is to pay for her repairs or buy her a fresh car.
If a friend borrows your car without permission and gets into an accident will his insurance cover it?
Very first of all a friend does not borrow your car without your permission- if they used it without your permission they indeed arent your friend and they technically stole your car- Unauthorized use of a motor vehicle- Their insurance will cover them only if you file a complaint with the police stating that the person did not have your permission to use the car. Otherwise your insurance will cover the loss and your rate may leap or you may get cancelled. Your call- depends on how much the claim is and how good the friend is
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car stationary if you only have liability insurance?
As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it’s proven, there may be coverage under your carrier. I’m in Canada where things are a bit different but it wouldn’t hurt you to attempt right?
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.
If a friend wants to buy your car but doesn’t have the credit to get a loan and you keep the car loan and insurance and they pay you the car payment and insurance who is liable if there is an accident?
The person with the insurance. Never permit someone who isn’t on the policy to drive the car..
The person who has their name on the title is primarily responsible, so since there is a loan on the car in your name, the title must still be in your name. If your friend crashes the car YOU will be responsible for HIS injuries as well as any harm and injuries to others. If you do not have his name on the policy as the primary driver and the insurance company finds out he was buying the car from you and driving it on a regular basis, they may reject the claim AND prosecute you for insurance fraud. .
Who is liable if you have an accident and you have no insurance but the possessor of the car you borrow has insurance?
There insurance .
Well in Two different states that I have lived and worked in the insurance goes after the vehicle not the person. If someone is letting you borrow there vehicle then they are accepting responsibility for your deeds, therefore the accident would be covered on there policy. Of course I would check with state laws to make sure.
If you were in an accident with an insured driver but it was not their car who do you file the claim against?
i believe you can actually file suit against the driver and the holder of the vehichle so my lawyer told me
If two people co-lease a car but only the driver carries insurance can they both be held liable for accidents or just the driver’s insurance?
A lease is a contract; all who execute same are held liable. Insurance does not come into play as regards liability.
If a friend borrows your car and you did not know he has a suspended license will insurance pay for damages caused by an accident he had?
Yes, generally barring any exclusions in your policy if he had your (owners) permission to drive.
What if an uninsured driver has an accident with your insured car?
i was rear ended frm behind by another car, the car had insurance but the person driving was not listed as a driver, can i still get paid for mu car damages n bod injuries
Who is liable if an uninsured driver borrows a car and causes an accident?
unless the person stole it then the possessor is responsible. the uninsured person might be covered under the owners policy as extra driver tho’.
You borrowed your friends car was in an accident and HE does not have insurance on his car Are you responsible?
Yes. Not technically,whoever has ownership of the vehicle is legally responsible for the damages caused. However, if they can prove you did not have permission to take/drive the car they can most likely bring a successful claim against you in petite claims court typically 5K max.
If you are driving with only a permit and a licensed driver is in the car next to you but the car is under your parent’s insurance policy will an accident be covered by your parents insurance policy?
Yes, unless you are listed as an excluded driver. To be sure in the future have your parents add you to their policy. Provided you are Eighteen or junior, most companies will not charge you to be on your parents policy with just a permit.
Your car was totaled in a cardeer accident the insurance was in a friends name and a check was mailed by the insurance whos check is it mine or his?
Legally, its the friends because the insurance was in the friends name. Insurance checks are meant to be used on repairs to the vehicle or toward the purchase of a fresh vehicle. So you could attempt to force the friend to use the check toward the vehicle by taking them to court. Or you can begin paying for your own insurance and not have to worry about the loyalty of your friends.
Fresh driver gets into accident with friends car with no insurance friend only has GDL who’s liable for damages to both cars?
If it was your fault then your freind is liable for the damages. If it was the other guys fault then his insurance will pay for it. Keep in mind, while legally it is the owners responsibility for the damages, he can sue you if he dreamed to.
You had no insurance on your car What if your friend borrowed car with permission had an accident and was issued a citation Can you recover from friend’s insurance?
Not likely. For property harm, insurance is primary to the vehicle. Unless you live in WI or NH, you are required to carry liability insurance, regardless if you drive your car or not. Liability pays for the harm your car causes to other people for their injuries and harm to their car. Knowingly lending your uninsured car to some one is legally the same thing as you driving without insurance. Your friend’s insurance most likely contains a non-owned vehicle clause, but this is designed for loaner cars from dealerships, test drives, and rental cars.
What to do if you have a car accident and no car insurance?
Your tucked .
In the UK it is an offense to drive a motor vehicle without a valid policy of motor insurance. If however the car accident was caused by the other vehicle driver you would still be entitled to recover compensation for your injuries and vehicle harm from the other driver. See the related link entitled “car accident claim” for a description of how to prove who was at fault in a car accident. If you caused the accident – the Motor Insurers Bureau would meet the compensation claim for the other driver under the Uninsured Drivers Agreement but the MIB might seek to recover any compensation paid directly from you. See the related link entitled “accident car insurance” for a utter description of motor insurance and the MIB. Same screenplay in The United States. In the State Of Fresh Hampshire , there is no requirement of the state to have insurance. If you have a car financed, the financial institution will require that you have total coverage but other wise, you can drive loosely withou5t insurance. But if you have an accident and you are the cause and have no insurance, you can be cited for no insurance, and the financial ramifications can be ruining. Be wise, at least carry the minimum of liability.
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.
You are upside down on your car so what can you do?
Give up everything else in life so you can pay off your car loan. Get an extra job and dedicate that income to car payments. If you default it will ruin your credit for years. Next time be more sensible about buying a car. Buy only what you can afford.
If a taxi driver hits your car is it the drivers insurance or the owners insurance that covers the accident?
If a taxi driver hits you, and its his fault, the cab company’s insurance pays.
What happens if the driver has no car insurance and they cause the accident?
It depends. Many insurance companies will have you pay your deductible, then they will attempt to collect the money from the other driver personally. (This is what happened to me when my car was struck, in Massachusetts where insurance is required, by an uninsured motorist from Fresh Hampshire, where auto coverage is optional.) It took about six months, but my company did eventually recover the money and I was reimbursed.
What happens if an uninsured driver causes an accident in an insured car?
Vehicles are insured not drivers. If you are qualified and authorized to operate an auto the insurance on it will pay for it and any harm done by it.
If another driver hit your parked car and their insurance company total lost the car and your car is only one year oldthey pay for the car to the company with the lean and where does that leave me.?
Unluckily, it very likely leaves you looking for another car. The insurance company is only obligated to pay the actual cash value of the car, so once they paid your loan they most likely don’t owe you any more money (unless you put down a big downpayment and owe less on the car than it’s value after the year you’ve had it.)
Can you request a check for damages from the insurance company of the driver who caused the accident and not get your car repaired after an auto accident?
It depends on if you have a lien placed on your vehicle (by you lender. If you own the car free and clear, you can take the insurance money and not repair the car, but if there is a lien on your vehicle more often than not the insurance company will make the check out to you and your bank.
If you are the driver of a friends car involved in an accident are you covered under your insurance or the owners insurance?
depends on the company and the details of the accident. most commonly the holder of the vehicles’ insurance will pay the claim and then subrogate (recover money paid out) against the drivers insurance company. for example, let’s say you have state farm and i have allstate. you are borrowing my car and get into an at fault accident that cause $Ten,000 in damages. allstate will go ahead and pay the $Ten,000 to the other party. once that is done allstate will basically send a bill to state farm for the $Ten,000 they paid out.
If i get in a car accident on the job will my insurance go up?
Normally you will have a no claims premium discount of up to 60%. when you have an at fault accident you lose part of this discount for the next renewsl, it may go down to 40%. If you have a not at fault accident you shouldn’t lose your discount..
However each insurer treats this differently sometimes – pay to check with you insurer
If a friend borrows your car and gets in an accident does your auto insurance cover damages?
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
What happens if you dont have insurance and you get into a car accident driving your friends car – she has insurance?
Her insurance may state ‘other drivers with the insured’s permission’ in which case her insurance would at least in part cover harm to other people/cars, but very likely not to her own car. If her insurance does not have that clause, you are very likely in trouble.
Does your insurance cover a borrowed friends car without insurance?
If you are driving the car it may cover you, but it won’t cover a car unless it is on your policy. Depending on your policy it may not cover you either. Some insurance policies don’t cover you if you permit another driver other than yourself to drive your car. Check your policy.
Who is responsible for a no insurance ticket on a borrowed car The driver or holder?
Each could be ticketed. The driver for no insurance, and the holder for permitting unlawful operation. In the UK both are identically responsible for ‘using a motor vehicle on a road without insurance’ and both will be prosecuted.
A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?
When a car is borrowed (with permission) the insurance of the car holder is primary and the insurance of the driver is secondary. Here, the car proprietor has no coverage to pay for the harm to his/her own car, so the driver’s liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn’t have liability insurance, the car holder is stuck (unless he sues the driver).
Friend borrows your car and gets into an accident why are you at fault?
Fault would very first be placed on the person driving. Then the proprietor of the car could be found at fault. The vehicle holder is responsible for: .
making sure anyone operating the vehicle is licenced .
making sure they are able to drive (not buzzed or other impairment) .
making sure the vehicle is safe to operateThere are also laws regarding financial responsibility when a vehicle is titled in your name.
If you loan your car which has liability insurance to a friend and he has an accident can other drivers sue you?
This depends on the state. In California if you loan a friend your vehicle and he kills someone with it, then you are also charged with manslaughter!
If an uninsured person borrows your car and gets in an accident deemed by the other insurance co to be her fault when your insurance has lapsed who is liable the driver or the car proprietor?
I am sure that there are examples to the contrary, but the car possessor is the one responsible for the insurance. It’s your car. It’s your responsibility to make sure it is insured……it would also be your responsibility to make sure whom ever you loaned it to were licensed and legal.
If an unisured driver has an accident in your car will your insurance still cover it?
Most likely. When you purchase insurance, you are insuring the car. If you drive someone else’s car and have an accident, their insurance should cover the costs (but their insurance *may* sue your insurance company for compensation/reimbursement.)
If a friend sells you their car can they keep their insurance on the car and if so can the fresh driver still be covered if not on the policy if the two parties vocally agree?
NO. Auto Insurance is not transferable. An auto insurance policy becomes null and void at the moment the car is sold irrespective of whether the title has been switched or not. the seller has no authority to extend his policy coverage to the fresh possessor. The policy contract prohibits this kind of activity. You can not assume or acquire the Liability policy of another. If you are not a named insured on the policy then you have no coverage under that policy for your freshly acquired vehicle. You must purchase your own coverage.
What happens when friend drove your car and had no drivers license and had an accident?
very first of all it is very dangerous to others to drive and you can get the learning license for your friend but you should help the man who got hurts
Can you get car insurance on a car after the accident?
If the car has not been repaired but the harm is cosmetic they will most likely insure it for liability onlyIf the car has been repaired it will be no problem to get insurance. If the car is deemed salvage or rebuilt, you can get utter coverage, however keep this in mind. A branded title makes the car worth 35% less than average retail. The coverage AFTER the accident , of course would not caver any claims concerning that accident.
What happens if you borrow a car and you get in an accident?
Very first of all, it depends who it is from. If it is from a rental company, i dont know. but if it is from a friend i think you are liable for the damages.
Can you buy a car without planning to be the insured driver?
Sure you can. You can buy a car and then give it away or donate it. You can even junk it if you wish. You will however have to put the car in someone name who has insurance on the car as they will ask for proof of insurance before issuing a title.
What happens if you let a friend borrow your car that is uninsured but the friend has non-owners insurance and he gets into an accident that wasn’t his fault?
almost all states require liability insurance. the fact that the friend had ‘non possessor’ does not mean that it was ok to drive an uninsured vehicle. the law requires the vehicles, not the drivers, to be insured.
What happens if the car you borrowed was in a car accident and has no insurance accident happend in state of Washington?
You and the possessor will be sued for damages, hopefully there were no injuries because if there are, your life as you now know it will be over. There is nothing more reckless than to drive a car without insurance….
What if your friend has no insurance and borrows your car without permission?
Unauthorized Use of a Motor VehicleWhen someone takes your car without permission it’s called “Auto Theft”. You call the police and make a theft report. You would not be responsible for damages a thief incurs while in the commission of a crime. If you fail to make a Police Report then you have in effect given “Implied Permission” to use your vehicle and you can be held fully liable for any and all damages that result from it’s use. ReactionIn California, your auto insurance covers you and anyone you give permission to drive your car. Depending on who was at fault, you and/or your friend could find yourselves in very awkward positions. You can play out the scripts from here.
Do all car insurance plans provide a loaner car when your car is in the shop after an accident?
Not all car insurance plans provide loaner cars when your car is in the shop after an accident. This is a convenience which may or may not be suggested. Check with your insurance company to see if this service is provided.
What happens if someone borrows your car and gets into an accident and does not have a valid drivers license?
You need to read your insurance policy now or have someone look atit quickly. Some policies state that no coverage exists if you loana vehicle to someone that is not licensed, that you know is notlicensed, or that you should know is not licensed. This means thatyou could have to pay for the accident out of your pocket. Be verycareful with loaning vehicles. I recommend that my clients not loanvehicles because you are also loaning your insurance and youinsurance record. State to State laws vary as well so you will wantto check state law as well. For total disclosure, I own and operatea petite Independent Insurance Agency in Gordon, Georgia and havefor 22 years. I also worked as an agent for a direct writer for 3years before that. You should also be aware that in the situation you described thecar may be impounded adding impound fees to your out of pocketexpenses.
Should your insurance company pay you anything for a car accident that total lost your car and the other driver was at fault and you were fully covered but your granddaughter was driving?
It depends on your coverage. Is there an age limit exclusion or an exclusion for a specific person. If you policy excludes anyone under 21 and you grand-daughter was Legal then it is not covered.
What happens if you don’t have insurance and you get into a car accident driving your friends car she has insurance?
As long as she has the correct insurance that permits the car to lent to a friend then it should cover you.
Does auto insurance cover drivers who borrow the car?
Yes occasional authorized use by other licensed drivers carriesover. It has to since mechanics etc have to test drive for repairs,valets, etc etc