Who do you think they are going to go after?

Question

Yesterday i got into a accident. I have no issurance. The ticket and everything else is going in my name, so i assume they are going to come after me? The thing is i was driving my boyfriends car, which the car is in his moms name. Are they going to go after her insurance company to have the other car fixed and take her licsense away since i had no insurance?

The thing is it is my boyfriends car, and he always told me if i ever needed his car for anything then i could go to his work and take it, and just let him know that i had it. The thing is his mom said if she says she has to tell her insurance company that i stole the car then she will, but wouldnt that involve her taking me to court too? she is worrid their going to take her liscense away. Do you think they would take me to jail for not having insurance? You people esp. the lady who answered second acts like you never have gotten into a accident. My policy got cancelled and i didnt know about it.

Answer 1

It depends on her insurance policy.

Typically, the insurance is on the vehicle, so even if you're name is not on the insurance policy, I'm assuming your boyfriend's mom had insurance on the vehicle. If that is the case, then the people you got into the accident with will go after the insurance company of the boyfriend's mom.

If your boyfriend's mom gave you permission to use the vehicle, typically her policy will allow her to "loan" her car out and you would be covered under the policy. Some insurance policies have exclusions, so someone will have to go over your boyfriend's mom's policy to ensure that the policy didn't exclude her from loaning the car out.

If the insurance doesn't cover all the damages, the other party may sue for the remaining cost of the damages. You may want to consult with a lawyer.

Answer 2

From what you say, the car IS insured. You don't insure yourself, the CAR is insured. The insurance is valid as long as the person operating the vehicle had the owner's permission or reasonably believed that they had the owner's permission to operate the vehicle.

The driver and the registered owner are both liable for any damage caused by the vehicle. As far as the law is concerned, it's his mom's car since it is in her name. Assuming that she has insurance on the vehicle, you're ALL covered.

If you told the cop that you didn't have insurance, you screwed up! You should have just handed him the insurance card for the CAR and kept your trap shut! When you go to court for the no insurance charge, bring that card with you and the no insurance charge will be dismissed.

As far as your boyfriend's mom claiming that you stole the car, she's blowing smoke. If she didn't report it stolen AT THE TIME, it's not likely that the cops are going to believe her after the fact. Unless your boyfriend's mom told you that you were specifically prohibited from driving the vehicle, your boyfriend's consent to drive the vehicle is sufficient to cover you. (Even if she DID report the car stolen, the insurance would still be in force.)

Answer 3

Okay, first you are the one in trouble. Second, most policies on automobiles cover the primary operator and a secondary or "occasional". This policy, once in place, can cover the named individuals in other automobiles, such as rental cars and the vehicles of friend's. Your boyfriend and his mother were probably under the impression you had insurance, so their insurance company will probably pay for the damage to the car and the other person's under the "uninsured motorist" policy. Yet, little one, here's where your narrow butt gets it. The insurance company can and probably will seek a judgment against you in civil court for the money to fix both cars. Plus, if anyone was injured, you are libel as well. It can come as a form of garnishments on your pay check and eventually, show up on your credit report. That makes getting a loan for a house, college or a car, a very difficult thing to do. Looks like you are in deep dodo.

Answer 4

As long as the car was insured, you would be fine. The owners insurance company would be liable for any bills/expenses (minus the ticket--that would go on your record but even that depends on the state).

They won't take away the car owners license for somebody else's mistake while driving their car. Its not thier mistake. You do have a license though right? If not then you would be in some deep sh*t.

Answer 5

your an idiot to have been driving in the first place to even cause this speculative question. feel sorry for you, but I feel even worse for the mom, she is the one that will end up paying for you.