I can tell you what happens in the State Of Alabama… Where we have a MANDATORY insurance law… To “protect” the law obiding, insurance carrying citizens from suffering a loss due to an uninsured motorist….
Even tho’ we have a LAW, it is a paper tiger.
I have dialed numbers until my fingers are blistered. I have talked on the phone until my ears are sore and my mouth hurts. In the end, I have been transferred, given wrong numbers and told to contact my congressman to “strengthen” our mandatory insurance law.
I did find out one thing however, we have a form called an SR-13 that can be downloaded from the Alabama Dept. Of Public Safety website. Even tho’ this has nothing to do with the law or disturbance of it, it is tied to an old law that protects people from suffering a loss in the event of an accident with someone who has no insurance. Basically, their license will be suspended from anywhere inbetween Two and Ten years. Depending on the circumstance. If you are in Alabama, call the Dept. Of Public Safety and ask about this form or go to the website… http://www.dps.state.al.us/ and go after the quick links.. If you’re not, contact the same department in your state and commence there. Hope this helps.
Does the insurance company have the right to total your car even if their insured was at fault for the accident?
Your car being deemed a total loss does not have anything to do with the liability of the accident. Your vehicle becomes totalled when the repair cost exceeds the local market value of your vehicle.
Do you have to let the insurance company total your car if you were not at fault?
Liability, or whether or not you are at fault, has nothing to do with your vehicle being deemed totalled. If the repair cost exceeds the local market value of your car, it is a total loss.
You were in an accident which was not your fault but you did not have car insurance are you liable for this accident?
If it wasnt your fault, then the person who was at fault is liable. I would suggest working something out inbetween the two of you, since you could have your liscense suspended if caught without insurance. II: You wish it was that effortless! It is illegal to operate a vehicle without insurance coverage. The minute the other driver’s insurance co. finds out that you were not insured, the claim becomes 50/50 and very hard to fight. You pay for yours and they pay for thiers. That’s all.
If you are at fault in a fender bender and your car is insured but not registered will there be a problem?
If the vehicle is not decently registered the insurance company is not liable. Unless at the time the “improvised tag” was valid. I used to work as an attorney for Liberty Mutual. In California, whether or not a car is presently registered is not relevant to the insurance coverage. The insurance company is still on the hook, even if the registration has expired at some point after the insurance company issued its policy.
How do you appeal when the car insurance company finds you at fault and you are not?
Please give me more information, and I’m sure I can help. Facts of loss? Exactreason they denied your claim? They must give you the reason that your claim was denied, or that you were found neglient. You can file with your company then they can arbitrate the claim for a decision, you can contact the dept of insurance for your state. You can file suit (petite claims if under the limit), if you secure a judgment against their insured they will have to pay, (barring any appeals of course), but need to know the reason for denial, to be of real help to you.
Do you need insurance when you’re in a car accident but not at fault?
check your state law,but if you dont have ins.you maybe found at fault..
if you don’t have insurance, its your fault ither way
What happens to a person at fault for a car accident with no insurance if it is not their car?
It’s possible that the car owners insurance will cover the damages, but just as likely that it won’t. If it doesn’t, then the driver of the car will be fully responsible for any and all damages and will very likely end up being sued in court to recover the monies owed. It’s for this reason that all states require drivers to have uninsured motorist coverage on their insurance. .
In the UK three bods are likely to be responsible for paying compensation for harm and private injury as a result of the accident: the driver of the vehicle, the proprietor of the vehicle’s insurer (if that person had skill that the other was driving his vehicle) and the Motor Insurer’s Bureau. The driver of the vehicle will also be prosecuted in criminal law for driving without valid motor vehicle insurance. For a description of motor vehicle insurance and the MIB – please see the related link.
What happens if a car accident was not your fault but you were driving a friend’s car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are permitted to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you very first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
Involved in a not-at-fault accident is it your fault or the possessor’s for driving their uninsured car if you thought it was insured?
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don’t work? Drivers fault. Not insured? Drivers fault. ResponseIf you drive a car that is not insured you can be ticketed for that. If you were not at fault in the accident then hopefully the other driver had insurance otherwise the harm to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the possessor of the vehicle to have the vehicle insured. ReactionThe law clearly states that it is the driver’s resposibility to make sure that the vehicle he/she is driving is decently insured and there are no acceptions, you will be ticketed.
If you was in a car accident that was not your fault and you do not have insurance can you receive money from the other party’s insurance company?
Every once in a while you will hear of a proposed law “Pay to Play” which says that if you are driving illegally without insurance that you can’t expect to receive payments from an insured driver that runs into you. While I and many other people might like such a law, I have never heard of such a law that is in place at this time. So, if you are truly not at fault in the accident then I would imagine that you should be able to get payment from the at fault party.
If you are in an accident and it is your fault does your insurance pay for both cars?
No lovey not if your the one at fault… Insurance only covers the other person if your at fault sorry honey……
It depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cover the other person’s harm. If you also purchased collision insurance, that will pay for your vehicle (less the deductable).
When you are not at fault for an accident does the insurance company owe for collision insurance that I buy on the rental car?
“No” , not in most cases. I am assuming for the sake of answering your question that the facts are similar to this; you were in an accident you were not at fault the other company has accepted liablity for the loss, and put you in a rental while your vehicle is being repaired you only had liablity coverage on your vehicle (the one in the shop). But of course need collision and comprehensive on the rental you are now using. They do not owe to pay for this coverage for you (subject to any state laws to the contrary, you could call your states dept of ins. for that reaction, but I know of no states that require this). The presumption is, you didn’t think it was necessary to cover your own vehicle for coll and comp so why would they pay for it on the rental? I know your vehicle was older, this one is fresh, etc. I totally understand, but I have seenvery fewof these where the ‘at fault’ company will provide this coverage, you can of course buy/pay for a harm waiver for this rental with the rental car company, or contact your agent, and ask if there is anything they can do about a ‘brief term’ collision and comp coverage for this rental (but again I doubt this too)…..sorry, If I can be of any further assistance please let me know more details and I will do my best to help.
What happens to a person at fault for a car accident with no insurance?
Most likely nothing. It depends if the other person had insurance. The worst that would happen with a clean record is you license suspended no more than a year.
Do you have to call your insurance company if your car was not at fault?
The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even tho’ you do not consider yourself to be at fault, the other driver may report the accident to them anyway. Better to be safe than sorry.
What are car insurance laws in California if someone hits me and they are at fault?
They or their insurance company needs to pay for harm and medicalbills in the accident. If they don’t have insurance, they can stillbe sued for the accident by the victims insurance company.
If you are drivng another persons car with permission and have no insurance but the car you are driving is insured will the car insurance pay to get the car immobile since you were at fault?
This is different from policy to policy. You need to check the proprietor’s policy to see what is covered. If the holder didn’t pay for such coverage, then the harm is not covered..
Provided the possessor is paying for comprehensive and collision coverage the harm will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.
Can car insurance increase if an accident is the other driver’s fault?
If your insurance had to pay anything out on the incident, you could be hit with higher charges.
If you are in an accident and at fault will the insurance company repair your car?
It depends on what company you have insurance with, where you live, and how much coverage you have been paying for. I have The Hartford Insurance. I was in one, I was at fault and they paid for repairs on the other fellow’s car and my car. It all depends on how much coverage you pay for in your premiums..
Does my insurance company have to fix my car when if I’m at fault?
If you have a third party only policy no. If you have a comprehensive policy yes..
If you carry “collision insurance”, your company pays no matter who is at fault. It’s pretty much mandatory coverage if it’s a fresh car so the lender can protect it’s investment.
If you were in an accident with no insurance and it was not your fault but the other car at fault has insurance and was issused a ticket will there insurance company pay you or the bank?
The at-fault party’s insurance should cover your vehicle..
EVEN However OUR INSURANCE HAD RUN OUT BY AMONTH?
Is the at fault drivers insurance responsible for securing a rental car?
Insurance Claims and Rental Cars “No”, The insurer is not responsible for securing you a rental car, albeit they may owe you compensation for the costs. Some may assist you in making arrangements or locating a a rental car agency for you as a courtesy. The Rental car company makes its own policies as to whom they will rent a vehicle and whom they will not. The insured can not compel a rental car company to provide you a rental vehicle. You will have to qualify for the rental car yourself. The at fault party insurer can be required to “Reimburse” you for certain expenses incurred due to a loss of use of your vehicle, but “NO”, they don’t have to rent a car for you. It may, however, do so as a matter of good business and to engender good will. The question also calls into play the elements of damages to which you may be entitled as a victim of someone else’s negligence. If your car was rendered bruised so as to have lost the use of it (either permanently or while undergoing repair), “loss of use” damages are part of your recoverable damages. That is, you ordinarily have a claim against the adverse party not just for the repair cost of your car, but also for the loss of use of it. In many states, that element of damages is recoverable whether or not you actually rent a makeshift substitute vehicle. If your car was rendered a “total loss” as a result of a collision that was not your fault, you are likewise entitled to “loss of use” damages, and they can be measured by the reasonable cost to rent a like kind and quality aitomobile. However, in the case of a total loss, your right to loss of use damages (for example, a rental vehicle) may terminate when the adverse party, or his/her insurer pays you the actual cash value of your car (because you are thereby deemed to have been made entire).
Does liability insurance cover your car if you are at fault?
Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have “liability only” coverage, then their is no coveragefor your own vehicle if you were at fault.
What if you are in a car wreck with no insurance and the other driver is at fault?
Doesn’t matter at all. You are required to have insurance and the fact that the other driver may be responsible does not protect you at all.
What is a person at fault with no car insurance in accident to do. in a car accident where i was at fault. i does not have insurance on my car. both cars are totaled. other woman has insurance help?
If you were at fault, then you are liable for all costs. Whether you have insurance or not does not negate your liability. In most states if you fail to pay for the claimants losses you will lose your driving priviledges for up to Ten years or until you pay the bill which ever comes very first. If the other person has insurance to pay for their losses then you will be required to re-imburse that Insurance Company for the damages you caused, You are still the at fault party and are liable for the damages. If you don’t pay the Insurance company they can also turn it over to a collection agency and it will undoubtedly affect your credit for the next Ten years. Basically to sum up. If you don’t pay the damages you will likely lose your credit rating as well as your drivers license for the next Ten years. Good Luck
I have insurance and permitted a friend to drive my car and she had an accident who is at fault?
Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
You were in an accident your car is a lease and it was your fault and you have no insurance what is going to happen?
You are going to have to pay all cost out of pocket. Also you may be given a severe ticket for driving without insurance.
What do you do if you get into a car accident with no insurance and you are claimed to be at fault?
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
Your car was hit and was not your fault does your insurance go up?
Depends on your policy. Some policies will forgive and accident of this nature. Some companies base it on how much they have to pay out on a claim.
If someone hits your car and you have no insurance will their insurance cover your car if they were totally at fault?
Yes. All registered drivers are required to hold liability insurance, which means that if they cause an accident, their insurance will pay for damages to theother peoples’ cars. So, if the person does hold the required insurance, and is entirely at fault, your damages will be covered.
In Michigan if you don’t have car insurance and in an accident that is not my fault what happens?
As far as I know, if you don’t have insurance, you ARE at fault. That’s how it is everywhere I’ve heard of, but I don’t know about Michigan. Good Luck!
If you get into a car accident and it is not your fault will your insurance go up?
Not if it is deemed to be 100% the other drivers fault and they have insurance.
If you hit someone with no-fault insurance will your car be stationary?
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
Whose insurance should I call if there was a car accident and it was their fault?
I would call their insurance, if you did not know who they are or they didn’t have insurance, I would call your company and they can get the ball rolling.
What if you were in a car accident that was not your fault however you did not have insurance but the vehicle is insured?
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
If your wifey is killed in a car accident that was not her fault how does the insurance works?
In the United States, you see a lawyer. The Insurance Company offers you the least amount possible. The lawyer may be able to get you a lot more money.
If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have total coverage insurance, your car will be repaired fully and your portion of the repairs will be whatever your deductible is.
What happens when you get into a car accident and you have no car insurance but the other car is at fault?
The other car will have to pay for the damages using their own savings to take you in a hospital and for the repairs on your car since you don’t have a car insurance yet. Added: If you live in a state that requires you to have insurance, and you don’t, you will undoubtedly be give a ticket for being an un-insured motorist.
Can you get paid for anguish and suffering if you had no insurance but other car was at fault?
If the other driver was at fault and had liability insurance, you may be able to recover these damages. However, many states only require that drivers or registrants of vehicles have property harm liability insurance, which only pays for property damages caused by their negligence. Also, most states require that you sustain a permanent injury to a part of your bod in order to maintain a claim for ache and suffering damages. The permanency must be validated by a health care professional. Therefore, without knowing more, it cannot be said with certainty whether you can recover these damages.
What do you do if you get into a car accident and have no insurance and your at fault?
Beg and Pay. You will be responsible for all costs associated with the accident. If you don’t have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should attempt and work out a payment plan with the insurance company. Depending on the state you live in you will most likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in utter. You may be able to get a limited permit to go back and forward to work only.
Will your insurance cover your car if you were at fault?
If you have total Coverage Auto Insurance, Then the Comprehensive and Collision portions of your coverage would pay for damages to your own car. If you just have liability insurance only. Then you just have coverage for the other car and there is no coverage for your own vehicle.
Had an accident which was not your fault can you still rent a car through your insurance?
That depends on the text of your insurance policy. Whatever it says in it, is what you’re covered for.
What if you are hit in a car accident and you are at fault and the person who hit you has no insurance?
In case of Car accident if your car is having valid insurancepolicy at the time of accident then you are liable to get the claimfor the loss. While different companies have different disbursementpolicies and depreciation charts which would be followed for claimsettlement process. Turtlemint car insurance offers a faredepreciation chart and effortless claim process which simplifies thecomplete process and helps to get the tasks done hassle-free
Should you contact the at fault insurance company for car damages?
No you don’t have to call the at fault insurance company. You have to get the information from other driver, give this information to your insurance company/agent. You have to get the collision report from reporting center. If the harm is more than $1000 and somebody is injured too, you may call police and send the police report copy to your insurance co.
How does no fault auto insurance work if you hit a parked car?
No Fault insurance ONLY deals with medical injuries to you if you are driving. No Fault has nothing to do with property harm liability. If you hit a parked car, then your Property Harm Liability coverage would pay to repair the parked car and your own Collision coverage (if you have it…it’s optional) would pay to repair your car.
Can i collect on both sides my insurance and the faulted drivers insurance i have a lien holder on my car a?
No, you can’t. When you collect from your insurance company, they will pursue the other driver’s insurance because the accident wasn’t your fault. When your insurance company finds out that you collected from the other insurance company already, they will come after you. It’s called double-dipping and it most likely wouldn’t end well.
What if you failed to get the insurance information of the party at fault in a car accident?
If you failed to contact the police after the accident you may be in serious trouble here. You have no proof that an accident even occurred except for the harm to your vehicle. Do you know the other party? If not why would you permit them to leave without getting some information from them? This sounds fishy to me and I’m sure it will to your insurance company as well. Unless you plan to just pay for it yourself, I would recommend that you tell the company the entire truth in the matter and not attempt to make up something to help a friend as they have seen it all.
What is the meaning of no fault car insurance?
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
What are the benefits of Florida no fault car Insurance?
Florida’s no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Harm done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.
Can you sue your own car insurance if it was not your fault in a car accident?
What you are telling is that the police department determined that it was your fault; your insurance company investigated and determined it was your fault; but you still want to waste money suing your insurance company because of all the facts. Sure, sue away. Recall that you will have to prove that you have monetary loss because of something that they did. You do have loss as your premiums will go up due to the loss being on your record. You should also know that this will not make you look good to your insurance company from here on out. Have you spoken with the police officer about the report he filed and also his superior about reviewing the report that was filed.
Does a no fault accident on your motorbike affect your car insurance?
as a general rule, if it occurred on the road and the “motorbike” is being used as a “vehicle” as in driving on a roadway like cars etc vs offroad… then it very well may affect your auto policy. In some states a report is required for any death or injury which includes “offroad” but since in a case like that it was most likely a “recreational type vehicle” it may not. The type and size may play a part as well. It may need to be classified as a “motor vehicle” to trigger the reporting requirement, which may be different deoending on the state.