not my car. not my fault.
2006-10-27 13:34:41 · 9 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
The owner of your vehicle may have Ininsured/underInsured protection. It is common on a policy to have protection if the other party is not insured, or does not have enough coverage. It doesnt cost much to add, and affords you protection from someone in the uninsured vehicle.
It helps to pay minimum amounts of medical bills, and should be usable to repair your vehicle, if your vehicle owner had collision insurance.
2006-10-27 13:45:45 · answer #1 · answered by Austin Semiconductor 5 · 0⤊ 0⤋
The owner of the car you were driving needs to make a claim with his own company under his collision if he has it. In some state, you can use uninsured motorist property damage, but it depends on the state. Also, collision is always used first if you have it, and uninsured motorist is an excess coverage. His insurance company, if they pay anything for his damages, will determine if they will pursue the other party.
2006-10-27 13:47:28 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
Legally that is the fault of the guy backing up. in spite of the indisputable fact that, ethically the different human being quite should not be speeding in a automobile park as there are diverse pedestrians. in the adventure that they could't save their eyes open and be conscious a wide transferring motorized vehicle how can they anticipate to confirm a small baby in the adventure that they run out from beside their automobile or perhaps an human being in basic terms stepping out to stroll in route of the save.
2016-12-05 07:28:59 · answer #3 · answered by tedesco 4 · 0⤊ 0⤋
I don't know if the laws differ state to state, but in Michigan, if it was in a public lot (something owned by the city, county, or state), then it's considered an actual accident, with a police report and everything.
If it's in a private lot (any store lot, apartment lot, etc), then it's not governed by state road laws, and it's a civil matter, meaning you take them to court.
2006-10-27 13:43:48 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Pennsylvania is a "no fault" insurance state. So here when someone hits you and is uninsured - your insurance company pays(or the owner of the car if you legally borrowed it) and the other person will get a fine and larger insurance premium if they ever get insurance.
2006-10-27 13:44:31 · answer #5 · answered by Akkita 6 · 0⤊ 1⤋
Look at the policy to see if the owner purchased protection from uninsured/underinsured motorists. That would pay for damages. Without this coverage, you may be liable for damages.
2006-10-27 13:44:12 · answer #6 · answered by ? 6 · 0⤊ 0⤋
well, hope you had the owner's permission to drive the car. sounds to me like the owner of the car you were driving will end up paying for the repairs, maybe through his/her own insurance then can possibly sue the uninsured motorist in civil court to get his/her money back.
2006-10-27 13:42:33 · answer #7 · answered by carmen 2 · 1⤊ 0⤋
they are in BIG trouble. did you make a police report. Laws for no insurance do apply even on private propert if you called the cops then and there. no police report your insurance will co after the guy if you turn it over to them
2006-10-27 13:39:53 · answer #8 · answered by careermom18 5 · 0⤊ 0⤋
Civil matter. If one is injured or the damage is great enough, an attorney is the only route.
Laws do not apply on private property.
2006-10-27 13:39:27 · answer #9 · answered by ed 7 · 0⤊ 1⤋