What if you were in an auto accident and you are not at fault but you do not have auto insurance in California?

What if you were in an auto accident and you are not at fault but you do not have auto insurance in California?If the other driver is at fault and has insurance, their insurance
should still pay the claim. However, you may still face significant

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legal penalties for driving without insurance. Your drivers license
may be suspended and your car may be impounded, and the cost of
insurance when you get it (which you have to, in order to get your
drivers license or your car back) will be much higher than it would
have been if you had purchased it before the accident. You should
very likely consult a qualified attorney for advice on how to minimize
the cost.

What happens if you have no auto insurance and no drivers license and you where in car accident but it was not your fault?

Reaction .
Sorry to say, Eva, but an uninsured car is not supposed to be on the public streets and a person with no license is not supposed to be driving a car. Since you contributed to the accident by violating these laws, you are at least partially at fault. The other driver’s insurance company is going to deny any claim you submit..

How can you get someone’s auto insurance information if they are at fault in an accident and deny to come back your calls?

If you have their insurance information, go directly to their carrier. If you don’t have the information, you may have to go through your own insurance and let them fight it out for you.

What happens when you are involved in an auto accident and it is your fault and you have no auto insurance?

The person can sue you for the damages. Garnishing your wages or property. In many states in Georgia you can also face criminal prosecution including fines and time in jail.

How can you get someone’s auto insurance information if they are at fault in an accident and deny to give it to you?

Assuming there was no police report filed, you will have to do the work yourself. Get a lawyer and an investigator and file a lawsuit. Provide the information to your insurance carrier. They can normally get the insurance information from the State DMV using the license plate number of the vehicle that hit you. Keep the license plate number and call the police. The police have all the information. They can find out the information of that car instantly, given the plate number.

What happens to your drivers license when you are at fault in an auto accident and you do not have car insurance?

%REPLIES%.
Reaction .
dl suspension for one year and your going to need an sr22 for Three yrs.. its not good.
Response .
You very likely will be arrested and if you are incapable to pay the costs in utter to the victim(s) you may be looking at some deep jail time, your driver license can actually be suspended for anywhere from 1- to TEN years depending on what state you live in but if the damages aren’t paid, leave behind about ever witnessing your picture on a license again..
By the way, the 3-7 period a SR-22 is required starts when you are released from jail and your license is reinstated, not the day of the accident..

In NJ how much will my auto insurance increase after an at fault accident?

You need to contact your agent of policy services dept. for your insurance company and they will be able to tell you this is company specific in most cases.

In California if you do not have auto insurance and you are involved in an accident that is not your fault does the insured at fault have to pay your medical and or ache and suffering?

Response .
California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for anguish, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident

If you have no fault auto insurance will your insurance rates increase if you happen to be in an accident in which you were not at fault?

Generally speaking, no..
However, in any moving incident/disturbance, your driving record is checked. If it turns out that you have a few past speeding tickets, and maybe another previous accident or two where you were not at fault, the insurance company may choose to tag you as a high-risk driver and increase your premium..
On the other arm, if you are a driver with a spotless record, your rates will very likely not go up in the event of an accident where you are not at fault.

What are your insurance agent’s responsibilities to you after an auto accident in which you were not at fault?

ReactionYour insurance agents responsibility is to assist you in forwarding your loss or accident notice to a claims dept. Your agent is almost always not permitted to adjust your claim as this would be a conflict of interest and could jeopardize his insurance license with the State. Your agent can also act as your advocate in that he can help you clarify your position on the loss to an adjuster. but he can not help you get your car immobile and can not “go after” anyone on your behalf lest he find himself with no insurance license and looking for a fresh line of work. Your agent is licensed as an insurance agent. Claims adjusters are licensed to process your claims. The two licenses have very clear boundaries under state regulations. Some companies (very few) may permit an agent a limited authority to release a puny portion of funds for instant ease to assist you if you have utter coverage but the agent can make no final determination of a pending claim on behalf of the company. To do so would be an overstep of his scope of authority and would be considered a disturbance of Ethical standards. ResponseIf you have “comp and collision” insurance (coverage that repairs YOUR vehicle) your agent should help you get your vehicle repaired and should go after the other insurance company to get it paid for. If you only have Liability insurance, you get to pursue down the other insurance company yourself and seek compensation for damages. If the harm is puny and the other insurance company is attempting to just get you to go away, you may need to sue, in which case you might want to talk to a lawyer. If the other driver is not insured, you might just be out of luck.

Are auto insurance companies in California responsible for working with the other party’s insurance company to determine fault in an accident?

Responsible Party .
Usually your insurance company will make that determination. The only time I can think of one insurance company working with another company to determine fault is if stories are mixed, or circumstances (such as weather, pedestrians, noise, etc) are too sophisticated to tell originally.

What states have at fault auto insurance?

presently 11 states and Puerto Rico have “no-fault” insurance. Fresh York, Fresh Jersey, Michigan, Pennsylvania, Florida, Hawaii, kansas, Kentucky, massachussetts, minnesota, North Dakota and Utah.

Who do you sue if you are involved in an auto accident and the at fault party had no insurance?

You will certainly want to seek the advice of an attorney. Just because the at fault driver doesn’t have insurance, doesn’t mean they are not responsible for damages. If you have a strong case, you may wish to stir forward with a lawsuit – to which there may be an out-of-court settlement. If the person you’re planning to sue doesn’t have any money, you may just be spinning your wheels because they won’t even have the funds to pay any settlement. Choose your battle.

What if you were in an auto accident and you are not at fault but you do not have auto insurance in California?

Who is at fault in a rear-in auto accident?

The vehicle that rear finishes the vehicle in front is usually but not always found at fault. This is because all states require that a driver be in control of his vehicle at all times..
If you are certain that it was the fault of the dude in front, Stopping all of a sudden in front of another driver is a popular insurance scam techniqe, you will most likely need witnesses to prove it.

What do you do if you have an auto accident that is not your fault?

You should file an Auto Accident report with your local authorities, this is a standard procedure for any accident whether you are at fault or not. If you have sustained damages or injuries you should also file a loss notice or a claim with the other party’s insurer to receive compensation for your loss.

What states have no fault auto insurance?

Reaction .
Recall that ‘no fault’ is a loosely used term, and all ‘no fault’ sates donotoperate under the same ‘formulas’ (for lack of a better term)..
According to the Insurance Information Institue, presently 12 states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, Fresh Jersey, Fresh York and Pennsylvania havewordy thresholds . The other seven states – Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah – use amonetary threshold . Three states have a “choice” no-fault law. In Fresh Jersey, Pennsylvania and Kentucky, motorists may reject the lawsuit threshold and retain the right to sue for any auto-related injury. Colorado’s law reverted back to the tort liability system in July 2003..
Clear as mud isn’t it? If you have a specific question relating to your state I will be glad to ‘attempt’ to response. If you would provide details.

Is No-fault insurance covered only auto accidents?

Response .
Yes only for Auto, Campers, Motorhomes while on the highwayWhat’s No-Fault Insurance?No-Fault Auto Insurance Coverage pays for each driver’s own injuries and property harm, up to the limit specified in the policy, regardless of who caused the accident. Because No-Fault insurance varies by state, ask your claim representative if this applies to your situation.Ref: Allstate @ https://www.allstate.com/claims/auto-insurance-faqs.aspx

What is no fault auto insurance?

Reaction .
In any state where no-fault auto insurance is required by law, you recover the cost of harm to your auto and to its occupants from your own insurance company. There is no need to prove who was at fault in the accident. For example, if two cars crash each other, each goes to its own insurance company to be reimbursed for the physical harm and medical costs which result.

Can you go after the auto insurance co of your employer if your involved in an auto accident in your work vehicle and it was your fault?

Yes. If it’s a company car and is insured through your employer, the employer’s insurance company would pay out the claim. The accident would still display up on your record however.

If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?

Yes, every liability policy has bodily insurance coverage fastened to it. Therefore, their insurance should pay any medical bills you may be charged for.

Question If you are involved in and auto accident in Florida and the other driver is at fault but has no auto insurance and you are injured can you sue your insurance company for injuries?

No, you cannot sue your insurance company for injuries….actuallly, I take that back. You can sue anybody for anything…but in this case, you would not win. Your policy should have a coverage called Uninsured Motorist Coverage. Typically, this would cover the injured parties in your vehicle if the accident was caused by an uninsured driver. This would cover your injuries in such an incident. Unluckily, this coverage is not discussed by most insurance agents and is included as an afterthought. Be sure to check your policy and see if this is there. You should never have a lower Uninsured Motorist coverage than your Bodily Injury amount.

How do insurance companies determine who is at fault for auto accident?

I turned the corner on a residential street with no dual yellow and there was a suv/van on the left with room to go past on the right. I didn’t notice whether a blinker was on, but it was moving leisurely. I continued straight and the van took a unexpected turn into a driveway on the right. I slammed on the brakes but we collided, my subaru wagon’s left side behind the headlight met his bumper, as the van was higher. He had no harm. My car was leaned in at the corner. .
He said as he had no harm there was no need for a police report, and I would be cited for passing on the right. I wonder whether he should have looked before turning. I spotted a blinking front right blinker when he hit me, but did not notice whether his back blinker worked..
I went home with him not wanting to be involved in any way. Could I have been hit in a parking lot in the same way? Is that enough to tell the insurance co.?, Or could he possible have some fault for turning into me and not looking. I wish I knew if his rear blinker worked, but I didn’t think of this until I got home.

How can you get someone’s auto insurance information if they are at fault and left the scene of the accident?

If they left the scene of the accident, then you don’t have their name either … need to have a name before attempting to find out insurance information. Chances are, the person who “hit and run” has no insurance and very likely was driving without a license and/or expired car registration. This is why insureds carry uninsured motorist coverage.

What happens when you are at fault in an auto accident and the persons hospital are more than your auto insurance covers?

You are responsible for any cost that exceed your policy limit. If this is the case, they can take you to court. Depending on the state you live in, wage garnishment is a definite possibility. In certain state, they can make you sell your home to use the asset to pay someone’s medical bill in such example. Do yourself a favor and get an umbrella liability policy. Such a policy will coverage any shortage on your auto insurance in increments of $1 million dollars. Contrary to belief, they are rather inexpensive. Typically costing only a hundred and fifty or so a year…

Is PA a not fault auto accident state?

Yes, Pennsylvania auto insurance policies are required to provide medical benefits coverage regardless of fault, and drivers are not permitted to sue for damages paid under medical benefits coverage. See PA MVFRL statutes 1711-1722. Pennsylvania also offers numerous tort options, meaning you can choose to have your capability to sue an at fault party limited, in exchange for lower rates.

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Who determines fault in auto accident?

Insurance companies determine fault by looking at police reports, taking statements from the parties involved and witnesses, and looking at the vehicles.

What if you were in an auto accident and you are not at fault but you do not have auto insurance in California?

What happens if you have auto insurance but no drivers licnese and you get into an accident that is not your fault will the person at fault insurance still take care of the damages to your car?

You get a ticket and your insurance goes up. You can not drive without a license and if you cost the insurance company money they raise your premiums especially if you get a ticket

Is it your fault if your cow caused an auto accident?

Yes by law you will be held guilty, as the cow was yours you should have taken care to tie it well.

Is Texas a no fault state in auto accidents?

Texas is NOT a no-fault state for auto accidents. You can, however,purchase uninsured motorist coverage.

Can you sue an insured person in an auto accident if they were at fault?

You need to be more specific about where the loss occurred. If it happened in a no-fault jurisdiction, your right to sue is typically more limited than in a tort jurisdiction.

Auto insurer denies to pay total amount of at fault accident?

There could be a duo of reasons why the Auto Insurer is refusing to pay total amount of at fault accident:.
a) There would be a deductible condition in the policy – which would mean that you will have to bear or pay the deductible amount out of your pocket..
b) If this is the claim amount for the vehicle – it would be a part applied to depreciations of the vehicle..
c) If the claim is above the total coverage (limit of Liability) the insurer might have paid his share up to this limit and so you would be responsible for the amount which is above this..
Reminisce that the insurer would not turn down to pay you once he has admitted liability unless it is not payable as per the policy condition. Please go through the policy conditions and asked the insurer for his reasons of non-payment.

Can you request a copy of another drivers insurance policy Especially if they are at fault for an auto accident?

My guess here is no. Under the federal privacy laws I don’t think you would get it, but since they are at fault you don’t need to worry about the coverage it is their problem not yours. Let your attorney or insurance treat it.

Injured in an auto accident with no auto insurance?

If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be extra criminal penalties including fines and jail time.

What if you deny fault auto accident and it was your fault?

The insurance company is the one that determines fault so if you deny it, they can still rule against you.

Auto accidents and insurance claims with no insurance?

well it depends where u live as auto insurance differs everywhere. But here in Ontario, when a person hits you and drives off or has no insurance, it goes under your Uninsured auto mobile coverage. and it has very limited coverage for Medical bills, and fixing ur vehicle up to 25,000 if it was a person with no insurance. if its a hit and run then u have to pay the damages to your car out of pocket. or make a claim under your collision coverage.

If you get in a auto accident and your at fault but police report is never filed does insurance go up?

no, the insurance will not go up but will go down and because i am an insurance agent, i had this kind of problem and i had to pay less

In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?

If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.

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What states have no-fault auto accidents?

California, Nevada, and Oregon are no fault states. If you need a finish list of all the fifty states that are no fault or driver fault states you can ask an insurance agent.

What if you were in an auto accident and you are not at fault but you do not have auto insurance in California?

Can you file a claim on both insurance companies yours and the party at fault in an auto accident?

Yes, you can. However, ultimately it is the at fault party’s insurance company that will pay for the claim. In such a case, you will file a claim under your collision coverage and be subjected to the deductible. Once the claim is lodged, your company will subrogate the loss with the other company(i.e. get reimbursed). Once that happens, you will be provided your deductible back. If you go through the at fault party’s policy, you would file the claim under the property harm of the policy.

What can I do if both me and the insurance company can’t get into contact with the person at fault of the auto accident.?

Hopefully the Police can provide the info, if not hopefully your insurance company can. You may end up filing a lawsuit, with all the expense, to force the government to release the contact info.

Call your insurance if you have a auto accident?

Always call your insurance carrier if you have been involved in a car accident. You may also need the advice of a good private injury attorney if you have specific questions regarding your accident claim. You are under no obligation to speak directly with any other insurance company that may be involved in your claim other than to suggest basic information. Unluckily many insurance handlers are instructed ways to coerce claimants into admitting guilt in an accident. They also record the conversations they have with claimants.

What if you was in a auto accident and you are not at fault but you do not have auto insurance?

Laws may vary state to state. In Georgia it is a criminal offense to drive without auto insurance. Albeit you may not be held liable for property harm or bodily injury to another party, you may face legal act including fines and possible jail time.

Can you get auto insurance after a major accident?

Yes you can but you may be surcharged and your premiums enhanced depending on your prior driving record and the kind of coverage you had.

How do you determine who was at fault in an auto accident in Texas?

It is hard to say without all the details from the accident, but usually it is pretty clear who was at fault in the accident based on the facts and details. These can most lightly be obtained from a police report, if there was an officer at the scene of the wreck. If the other driver is not primarily at fault, it will be difficult to file a claim.

In MA how much will your auto insurance increase after an at fault accident?

It depends upon State law and the way in which the insurer has “filed rates” with the regulator. That is, some states have prohibitions against insurers enhancing rates when a claim does not exceed a stated amount, even if the insured was at fault for the collision. I cannot comment on Mass. law in that regard; your insurance agent would have that information. Naturally, if a claim would have an adverse influence upon your rate, you can choose to pay the claim without the involvement of the insurer. This would be a business decision for you to make. Among the factors to consider are the amount of the claim, whether it is for property harm only or bodily injury damages, the amount, if any, of the instantaneous rate increase, and for how long the higher rate would be applied/collected. The premium that you pay is a function of the rate. The rate is a dollar amount per $100 worth of insurance. Therefore the premium is calculated by multiplying the amount of coverage that you have (in $100 increments) by the rate. If the claim is for bodily injury, where the amount of damages cannot be instantaneously determined, you may wish to have the insurer treat it regardless of the influence upon the insurance premium that you pay in the future. This is because your liability insurance not only pays sums for which you may be found liable, but it also provides a defense if you are sued. That is, it pays defense counsel to defend you and related court costs. In all events, if you are going to have the insurer treat the claim for you, it is significant that you report the claim to it promptly and cooperate in all respects with its investigation of the claim.

How is your auto insurance calculated in California?

Auto insurance is calculated in a number of different ways in the state of California. While some rating factors are demonstrable, others are not. The very first thing considered is your vehicle’s rating and symbol. Most drivers think just because they have an older car their premiums will be lower. This is not always true, because some older vehicles have higher symbols. A symbol is determined by how often vehicles are in accidents, how much harm they cause, and how much they cost to repair. If an older vehicle is known to cause a lot of harm it will have a high rating. The drivers on your policy are also considered. The number of years of driving practice each driver has, if they have claims, and if their have tickets are all rating factors. If you have nothing in the past Three years, you will qualify for a CA Good Driver Discount. Vehicle Usage is another factor that is overlooked. Insurance companies rate for pleasure, commute or business use. Pleasure usage offers the lowest rates because it poses the least risk. You will also be rated based on annual mileage. Drivers in lower mileage brackets will be rated lower because they are on the road less and pose a smaller risk than those who drive over the average annual mileage in the state.

In California Can a provider bill the health care insurer if a person is injured in an auto accident?

Yes. If the person has private insurance and is covered the bills go to the health care company to be paid.

Can the insurance company at fault deny paing for treatment to injury from auto accident?

Sure. Recall that an insurance policy is a legal contract wherein the insurance company agrees to accept risk from the policy holder according to the terms of the contract. If the policy holder does not live up to the terms of the contract then the insurance company may deny coverage. For example, if the person lied to the insurance company on the application then the insurance company may deny coverage. One of the terms of the policy is that the insured agrees to inform the insurance company of all residents of the home as well as regular drivers. If the insured does not list his 17 year old child who drives one of the vehicles regularly and lives in the house and then the child has an accident the insurance company could not be expected to provide coverage for the accident. Since the insured broke the terms of the policy which is a legal contract then the company most likely will not provide coverage because the insured committed material misrepresentation and lied in a significant manner on the application.

How long does an at fault insurance company have to lodge your auto accident claim if they are at fault?

it depends on whose fault is it. if yours than around 8 months. if there’s than most likely Four months.

How does no-fault auto insurance work?

Traditional auto insurance pays for damages and injuries based on which driver(s) caused the accident. If you veer out of your lane and hit another car, your liability coverage is required to pay for the harm and injuries to the other driver. No-fault insurance requires a person’s own insurer to cover any damages, injuries or medical expenses he/she sustains in an accident, regardless of who caused the wreck. Each driver selects his/her policy thresholds and they can only collect up to that amount, even if their actual loss is much greater. So if you buy a policy with 50/100/25 thresholds and a inebriated driver hits you head-on causing extensive spinal and neurological harm that will cost millions in medical expenses over the rest of your life, you will get $50k (max. bodily injury per person and that’s it)! The other major difference compared to traditional coverage is that you are legally prohibited from suing the other (at-fault) driver for any extra money! The original intention of the No-Fault concept was to greatly reduce the number of accidents that to court to determine fault and also eliminate ample monetary awards for punitive damges (anguish & suffering). In theory, you just buy enough coverage to protect you and your family and that’s all there is to it. Unluckily, the world doesn’t work that way. At the high point, 26 states had no-fault auto insurance laws. At the end of 2012, only 13 states had no-fault insurance laws and most of those were ‘modified’ no-fault insurance which means they have any number of switches or exceptions unique to each of those states. More than half of the 13 states are presently working toward phasing out no-fault and returning to traditional coverage. One of the major flaws in the no-fault concept is that negligent drivers who harm or even kill others aren’t held fully accountable. Their auto insurance premiums do not increase in direct correlation to the harm they cause. Their victims are often not fully reimbursed for medical treatment. Their is little to no accountability and even fewer consequences for their behavior. Another proposed benefit that no-fault would provide is lower insurance premiums for all drivers in each state as a entire. In reality, no-fault states were paying up to 125% more than traditional insurance states as of 2011! No-fault auto insurance, much like Communism, is theory that can only work in an ideal world….and fail dreadfully in an imperfect world such as the one in which we live!

What is no-fault auto insurance?

Some places have “No-Fault” insurance plans. It means that regardless of what happens everyone gets covered forthe same premium and the ( usually ) government insurance companydoesn’t care who was at fault in a crash. Usually the sign of a Socialist Government and Insurance Companiesthat got to greedy at the same time. Thats what happened in BritishColumbia, Canada.

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