Will my Insurance still pay for my vehicle because I do have full coverage?
2006-11-26 03:53:32 · 10 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
He told me he had a license, but I never checked visually. I assumed he was telling the truth.
2006-11-26 05:15:58 · update #1
Since he was driving with your permission, your insurance will cover it since you have full coverage. It will be less your deductible of course. You will also be at fault in the accident. His insurance wouldn't have covered it if he did have insurance by the way, since insurance goes with the car, not the driver.
2006-11-26 05:28:01 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
You need to check your insurance policy language as the they types of insurance coverages you have
Please be aware that certain states require different minimum coverages some of which could protect you in this type of situaiton.
Also even if the driver that hit you does have a suspended license, (assuming the driver is at fault) the vehicle involved may be insured and have Property Damage Coverage. If there is no insurance on the at-fault vehicle then if you have colllision or comparable insurance in your state you should be covered subject to any type of deductible you have.
Thus the first key is to determine is fault of the accident, 2nd is if theres any insurance from teh driver or owner of the at fault vehicle if different then check with your own policy. In most states, if someone causes an accident without insurance you can forward the report to that states DMV and they will let you know if there was indeed no insurance.
2006-11-26 04:43:06 · answer #2 · answered by legalissues 2 · 0⤊ 0⤋
Yes. The policy covers the vehicle, however, you may be shopping for another insurance company soon.
2006-11-26 05:16:36 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You're insurance company will pay for your damages regardless of who's fault it is. That is why you pay a premium. They just may get their money back from the responsible party if you weren't at fault and reimburse your deductible depending on the amount they get back. (that's called subrogation.)
2006-11-26 04:18:42 · answer #4 · answered by Infinity606 3 · 0⤊ 0⤋
If it wasn't your fault then yes, the insurance company will cover you..probably no questions asked
2006-11-26 03:56:11 · answer #5 · answered by scuba_steve 3 · 0⤊ 0⤋
They may, but it is the owners responsibility to make sure of the driver's status when he loans a car.
2006-11-26 04:11:55 · answer #6 · answered by Old Guy 4 · 0⤊ 0⤋
Not likely!
Statutory policy states you may not allow an unlicensed driver to operate your vehicle.
2006-11-26 05:05:30 · answer #7 · answered by michelle_greene_ragio 2 · 0⤊ 1⤋
if the person was driving your car with out a license your screw,if the person who hit you did not have one your ins will pay .
2006-11-26 05:16:44 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Yes.
2006-11-26 03:55:53 · answer #9 · answered by WC 7 · 0⤊ 0⤋
yes
2006-11-26 03:57:22 · answer #10 · answered by clint c 3 · 0⤊ 0⤋