i have insureance but he also has no lic.
2006-07-25 02:42:11 · 20 answers · asked by mecheengun 1 in Cars & Transportation ➔ Insurance & Registration
You are liable in this situation. The other party shouldn't try to sue as much as try to file the claim on your policy. Anyone who has your permission to drive your vehicle is then automatically covered on your policy. If they drive on a regular basis, they should be added. Therefore, you are at fault.
If you say your friend did not have permission to drive the car, then the insurance company will not cover it, because it will then be considered a stolen vehicle. You may or may not have coverage to cover that. If you do, you'll have to file an actual police report to get the company to cover, and then your friend might end up in jail.
Good Luck, and be more careful who drives your car.
2006-07-25 04:42:28 · answer #1 · answered by Nysa 3 · 1⤊ 0⤋
You get the honor of paying for this one. Most insurance companies will not apply an accident surcharge as the driver was a non resident (hopefully this is true, if not, say he is not a member of the household). If anything like this has happened before, you are likely looking at being non-renewed (for having bad judgement yet again), assuming they do not do it due to this incident. You will probably be moved to a more adverse rating category and pay more as well.
Would not recommend claiming it was stolen, the insurance company will want a police report and the cops will do very bad things to you for lying. Then the insurance company will all but blacklist you and cancel you. No insurance company is looking to pick up clients that are known to commit fraud.
2006-07-25 19:16:27 · answer #2 · answered by XUSAAAgent 5 · 0⤊ 0⤋
In Indiana, insurance follows the car. If your car was insured, the people should be "sueing" your insurance company. Then I think they can sue you if you don't have enough coverage.
Meanwhile, your friend will have this accident following him around on his driving record for the next 3 to 5 years.
2006-07-26 16:04:21 · answer #3 · answered by mktobyjo 3 · 0⤊ 0⤋
Again, for the "My car was stolen" to work, it must be reported stolen before the accident, not after. You are responsible, and will have to pay to make the other party whole. Your insurance may not help since you allowed your unlicensed friend to drive. Your friend is responsible for paying back your losses of course, but don't hold your breath that your now ex-friend will step to the plate and do the right thing.
2006-07-25 11:45:28 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
The insurance covers the car and not the driver. Since you gave your friend permission to drive the car, your insurance policy should pay the other party. They can then sue you and/or your friend to cover the losses since you allowed an unlicensed person to drive the vehicle.
2006-07-25 12:34:31 · answer #5 · answered by Mama Pastafarian 7 · 0⤊ 0⤋
If you tell the people that the car was stolen then the police will charge your friend with theft, he will also be asked to pay the bill and you may be involved with this fraud.
Presumably the police are involved and will prosecute your friend for no insurance and no license etc etc. The friend is the guilty one for driving the car with no cover, if the insurance company write to you, tell the truth but its going to get expensive for your friend
2006-07-25 09:51:15 · answer #6 · answered by Nimbus 5 · 0⤊ 0⤋
Oh, bummer. If your friend was at fault, your policy may or may not step up to the plate, depending on terms & conditions, and/or state laws. If your policy doesn't pay, you will end up writing a check for the damages your vehicle caused. Even if your policy DOES pay, this accident will follow YOU for the next 3-7 years, depending on what state you are in.
Be prepared for the insurance company to cancel you, for lending your car to someone who isn't licensed. Then be prepared for your rates to triple, going to a high risk carrier - because that's what you are now!
2006-07-25 11:42:19 · answer #7 · answered by Anonymous 7 · 0⤊ 0⤋
The insurance company will most likely pay off the other persons claim,but they will take it out on you for letting an uninsured,unlicensed person drive your car. It will also cost you in a rate hike when your renewal comes up.
2006-07-25 10:40:31 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Looks like you really are in a big mess but maybe you'll learn a lesson from this. Never allow anyone to borrow or drive your car unless you check and know for sure that they have a license and that they have never been arrested for drunk driving. If you don't check all this out before hand, you will cause yourself and others a lot of grief.
2006-07-25 09:51:46 · answer #9 · answered by bolinlamar 2 · 0⤊ 0⤋
even if he did have insurance and a license, it wouldn't matter. if you willingly allowed him to use your car, you are fully liable for any damages caused by your car and the driver. the only way you can avoid being sued is to say that your friend took your car without your knowledge ... in which case your friend would have effectly stolen your car. In which case they would be liable ... but you would most likely also have to charge them with GTA ... which probably won't be doing your friendship any good unless your friend is homeless and jobless and really meet a place to sleep and three squares for a while
2006-07-25 09:50:52 · answer #10 · answered by krux 1 · 0⤊ 0⤋