Can your license be suspended if an auto accident involved your uninsured car driven by my son-in-law who's insurance excluded the car?
Doubt your license will be suspended his might, but you run a risk of losing your plates and any plates in your name, along with fines etc. This is a state specific thing. In my state, the owners of uninsured vehicles (if they were NOT the driver) lose their plates, and the uninsured driver loses their licence. Check with your states dept of insurance and they will be able to answer this.
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What happens if you have no auto insurance and no drivers license and you where in car accident but it was not your fault?
Answer . 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..
What happens to your drivers license when you are at fault in an auto accident and you do not have car insurance?
%REPLIES%. Answer . dl suspension for one yr and your going to need an sr22 for 3 yrs.. its not good. Answer . You probably will be arrested and if you are unable to pay the costs in full 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, forget about ever seeing your picture on a license again.\n. \nBy 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..
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 fixed if you only have liability insurance?
Answer . 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 try right?
What if you have full coverage insurance for your car and you have a single car accident and you have a suspended license does the insurance people still pay for it?
Answer . wrong side driving car was total damage * drank liqueds and drove the car it is also pay *
Involved in a not-at-fault accident is it your fault or the owner'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. Answer If 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 damage 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 owner of the vehicle to have the vehicle insured. Answer The law clearly states that it is the driver's resposibility to make sure that the vehicle he/she is driving is properly insured and there are no acceptions, you will be ticketed.
Answer If you have a suspended license you shouldn't be driving and won't need car insurance. On the other hand, if you are attempting to comply with a court order to get car insurance before getting a provisional license, you may have to go to one of the insurance companies that cover special needs. Call around to different insurance companies to see whether they will write a policy that covers what you want. It may cost extra though. OR... just call an insurance company Like NationWide and they will do it in the State of Washington. I just did.
Will your auto insurance policy be voided if you loaned your car to a friend without knowing his license was suspended and he got into an accident?
Coverage . \nIt depends, they could or they could have you sign an exclusion on that driver, which means that if that person ever drives the car again and gets into an accident the insurance company will not be responsible for damages.
You can definitely exclude your spouse from your auto insurance.They shouldn't be driving if their license is suspended so theydon't need insurance.
Answer . Assuming you were the one driving his car, yes his insurance will cover his car. The insurance company may drop his coverage for 'irresponsible behaviour' by allowing another person to drive it AND that person had a suspended license. However, your boyfriend could take you to court for the damages rather than file a claim with his insurance company. Technically, you are responsible for his car and you would lose in court.
If an uninsured driver with just a learner's permit is involved in a fatal car accident can the uninsured driver's parent's insurance be filed against?
Answer . Dependant upon WHOM the learner was insured with, who's vehicle he/she was driving, and the legalities such as "was there a licensed driver in the car at the time of accident"? all these things play a role. Contact a lawyer or your broker for a definite answer, but yes, in some instances, the parents can be liable.
Can the parents license be suspended if a non licensed minor who took the car with consent was involved in an auto accident?
Answer . No, the parent isn't liable for the accident insofar as they weren't behind the wheel. But the minor probably won't have a license for a good long time.
What can you do if your son who does not live at home was involved in an auto accident with your car but the insurance company claims he is more than an occasional driver?
Occasional Drivers . Basically the definition is as follows. Any person who has regular access to your vehicle would not be considered an occasional driver.. If your son has insurance on his own vehicle then that coverage would follow him to a borrowed vehicle and there would be no need for this question. If he has no other auto or auto insurance and / or his drivers license reflects your home address, then obviously he is an authorized regular driver of your vehicle. Where the person lives, At home, not at home, does not determine his status as an occasional or regular driver. The question is does he have regular access to the vehicle in question whenever he needs or wants to drive.. The best way to prove that he is an occasional driver would be to demonstrate that he owned his own vehicle at the time of the accident, that his vehicle was insured at the time. that the address on his drivers license reflects an address other than yours and that his vehicle was registered at his home address which is also not your address.. State laws require that Drivers Licenses and Vehicles be registered at the address of the owner. If he had no vehicle, no insurance, and/or had a vehicle or drivers license registered at your address then it would likely be impossible to prove that he is only an occasional driver.
What happens if an uninsured driver in an insured car is cited for a traffic violation or is involved in an accident?
Answer . \nInsurance follows the car, not the driver. If you had permission to use it you should be fine. If you were cited for a traffic violation, you should just pay it ahead of time and then apologize profusely to your friend, since you just raised his rates for several years. If there was an accident and it involved any serious amount of money / injury, shell out the $70 and ask an attorney.
Answer . if car was driven by storage employee or anyone who is affliated with storage facility. Yes, it will be convered by their insurance. However, if the vehical was driven by a owner, his or her car insurance company will be responsible. \n. \nbest way to resolve this issue, contact your insurance agent or provider! \n. \nasian623\nhttp://www.myspace.com/scionturboracing
Answer . going to be paying the state lots of me and the owner of the other 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 body injuries
An insured driver is unknowingly driving an uninsured car and has an accident The owner of the uninsured car is injured Who pays for the uninsured owners injuries?
Answer . this is tricky, dependant on the state laws...you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accident that is your fault ...the owner of the vehicle is a passenger in the car and is injured...your policy should step in and cover this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn't matter you didn't know it was uninsured) and if your neglience resulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy.....sorry.....
If you have a suspended license and full coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
Answer . Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
It is important to understand the insurance policy that ispurchased on a drivers car. The only way that an uninsured driveris covered in an insured car is id the owner of the car has that intheir policy.
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
What happens when a person with a suspended license is involved in an accident in another person's car and is at fault?
You will most likely be charged with driving with a suspended licence. The owner of the car u were driving may get in trouble if he knew you did not have a licence and let you drive anyway, however if he didnt know you did not have one then nothing will happen to him. His insurance should (if he has insurance) cover the other guys car and his as well if he had full coverage.
yes, most companies and states require the veh to be insured, not the driver. you may get less premium if you car just sits in the driveway, but if a friend or family member is going to be using it regularly, they should be on your policy just in case. if they already live with you, they should be on you policy al ready.
If you are driving without insurance and are involved in an accident that is not your fault who is responsible for damages to your car What legal consequences are involved for the uninsured driver?
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
My license is suspended and I got into an accident with my brother in laws car what is going to happen?
You mean you were driving while your license was suspended. You disregarded the punishment the judge gave you for whatever laws you broke previously. Driving on a suspended license is again breaking a law. You might get your license revoked permanently.
This depends on the specific state's laws in which you live. Generally in a pile-up the insurance companies duke it out, and often each goes through his/her own company for coverage, which would leave the uninsured motorist with no coverage for their vehicle. For injuries, depending on fault, you may possibly draw from the uninsured motorist coverage.
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 damage done by it.
The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.
If you an uninsured motorist were involved in an accident that wasn't my fault will the guilty party's insurance pay for a rental car for you?
Your question is confusing. The way I read it, the one that caused the accident was uninsured, so how can that person's insurance company pay for your rental car? He has no insurance company.
Can you claim to an auto insurance if you had a minor car accident but you don't have a driver's license but your car insurance its on your dad's name?
Driving without a license is a crime. If you report that you where driving your dad's care without a license, you could get yourself into trouble, and put your dad's rates though the roof. Do not call the insurance company and tell them you where driving unlicensed. If you have your permit, and where driving legally with a licensed driver, and you had an accident in your dad's car, yes, you can report it and his insurance may cover it if he has that type of policy. If anything, your dad could report that he had the accident, though that would be dishonest.
Yes, cause it happened to me in Kansas. Then I had to get a n sr-22 filing.
In California what happens if an uninsured unlicensed driver is driving your insured car and has an accident and the other driver is licensed and insured is at fault?
the insurance of the owners car would have to be liable. basically, your not gonna get sh*t cus driving with no license or insurance automatically makes you at fault--regardless of who really in all actuality was. DONT DRIVE WITH NO INSURANCE.
If you are drunk and are uninsured but is driving a car that is insured and get into an accident are you covered?
You will NEVER be covered when you are drunk, you will be fined and put in jail! the reason for this is that too many idiots get behind the wheel of a car when they are drunk , many they have no respect for human life and do not even bother to think that they could kill someone!!
Not necessarily, as long as you pay for the damages to the other vehicle and fines related to the accident. However, if you don't pay , the other driver has the right to take you to court and obtain a Judgment against you and enforce it. Such Judgment is under the guidelines of Non Payment of Judgment and then the DMV will suspend your license nationwide and will not reinstate it until all damages are paid in full.
Comprehensive coverage does not apply to the driving of a car. It should be covered.
Some companies can offer you a policy even with a suspended license. I would contact an independent insurance agent that represents multiple carriers.
There are some companies that will offer insurance if your license is suspended, your best bet is a local insurance company that represents multiple insurance companies.
yes it can be... my brother had to pay a fee until he got it back Let's expand a bit on the above answer. Not having car insurance is not an offence. Driving a vehicle on public roadways without insurance is an offence. If you are convicted of this offense and issued a fine, and if you do not pay this fine in a manner prescribed by the court, your drivers licence can be suspended until you pay the fine, at which time you will be required to pay an additional $150.00 for reinstatement. This is for the province of Ontario, Canada. Many other jurisdictions have similar laws.
Yes, If you are not an insured under the definitions and terms of the owners insurance policy then you "can" be ticketed. Whether you will be ticketed depends on whether the attending officer checks his computer to see if you are in fact an insured driver or not.
Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let drive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that anyone who drives the car is insured. This is simply not true. Your will have to see your policy definitions for a covered driver or contact your insurance agent for clarification of when a driver is considered covered under your the terms of your auto insurance policy.
Insurance is purchased for the car, not the driver. Until thecar has been insured it cannot be driven by anyone. Note that most states do allow a short grace period after youpurchase a car in which it can be driven without insurance to letyou purchase insurance and handle title/registration paperwork.This grace period does not apply to a car that you have eitherallowed the insurance to lapse or have removed its insurance. . If you already have another car insured (which it appears you do)and wish to drive a car that is not currently insured, contact yourinsurance agent and have them temporarily transfer the policy tothe other car.
If your license was suspended, and you were driving, it is quite likely that you insuror will NOT pay for the damages, and will cancel your coverage, because you were knowingly operating the vehicle unlawfully.
If you have no licence you are driving illegally.Any insurance you may have taken out becomes null & void.Basically you arent insured even if you pay the premiums.Get a licence as you could end up with a law suit if you were to have an accident & hurt someone.As youre breaking the law, you could end up with police on your case too!
Can your license be suspended if an auto accident involved your uninsured car driven by my son in law who's insurance excluded the car?
As the owner of the car you're liable as well as responsible for maintaining insurance coverage on your vehicle. If you knowingly allowed your son in law to drive a vehicle which is not insured is even worse. Therefore, yes, your license can be suspended, especially if you're sued and a judgment is issued against you.
What happens when a person with a suspended license is involved in an accident in another person's car and is not at fault?
Actually, they are at fault, or so it's presumed - if their license is suspended, they shouldn't have been driving, hence, they should not have been there to have been involved in an accident. On top of that, they've voided their insurance policy by driving on a suspended license, so the expenses will likely end up coming out of pocket.
Yes, you can cancel a policy anytime you want to if you are the policyholder. I always suggest that you wait until the adjuster has a chance to look at the vehicle and determine if it is totaled or not before cancelling. Speak with your agent about this matter as well. In some states you need to cancel the tag before cancelling the insurance or you will incur a fine. If it is financed you will also need to consult the finance company as well.
For your safety, wait till the suspension of your driving licencegets revoked.If you are already having a car insurance policy,andyour car is entangled into an accident during suspension period,you wont get any insurance claim from the insurance policy. You mayalso be trapped into police interrogation for driving with asuspended licence.
Basically, you're out of luck. It's a crime to drive without a license. And it's almost certainly going to be treated as your fault, meaning nobody's going to pay to repair your car and you're going to have to pay to repair the other car. (In practice, the other guy's insurance will probably pay for his car ... and then they'll go after you to try to reclaim the losses. And they have very good attorneys.) You will end up paying the judgement for years to come. Probably is a lot cheaper to buy the insurance and get the license to begin with, or take the bus. Driving is not a right; it is a responsibility, but now you know that. It is also likely that you will be arrested and the car will be impounded. That will result in a criminal record and impound fees that will be your responsibility. If you ever get it together to get a valid license and a car you will find yourself in a high risk category and your insurance will be very expensive.
How many years is your licensed suspended if you do not have insurance on your car and you get in an accident?
This will depend on your State and what their regulations are regarding this matter. In Georgia, your license will remain suspended until you finish reimbursing the party you hit and their insurance company who may have paid the claim under their uninsured motorists coverage. They will allow you to make payments over time to get it paid off. I remember a 15 year old girl that drove her Mothers vehicle. Because, she wasn't a licensed driver, the insurance company denied coverage and did not pay the claim. She could not get her first license until the $5,000 damage she caused was paid back to the other parties insurance company. The Mom had insurance but did not notify the company of the drivers and let an unlicensed driver drive the car and she new she had no license as it was her daughter.
What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?
Since you are the only person with insurance it would be yourinsurance that pays, if your policy says this situation is covered.It depends on your insurance policy. Some cover you, others don't
Will the insurance company pay for a vehicle that was driven by a suspended license driver that no other cars was involved?
Probably not. Insurance companies will always look for ways tonegate or lower the amount of claim damage they have to pay out ascompensation. Driving the vehicle without a license (or a suspended one) wouldconstitute a breech of the contract/ agreement and they would notpay. Although if the vehicle were stolen and then driven by anunlicensed party (and the incident reported to the authorities),they would have to pay.