landlord asks me to take his car to the shop, he tells me he has insurance but lied and i had an accident?

Question

I proceeded through a yellow light and was turning left, when a semi tried to beat the light also. the semi was going straight so i was ticketed for failure to give right of way. I am shaken up but physically ok. No one was hurt. Since my landlord did not have insurance on his vehicle and i was at fault, i am responsible for about 15 thousand dollars in damage. I truly believed he had insurance, he is my landlord, and we share a house. I felt obligated to take his car for him because of his health he has a hard time getting around. Please tell me if I can hold him responsible for not having insurance. THIS ALL HAPPENED ON 12/11 AND I GO TO COURT ON THE 28TH PLEASE HURRY YOUR ANSWERS

I do have my own car and as a matter of fact we were using it as the chase vehicle because his car was going to be left there. I use his car only when running errands for him, and that is because gas is expensive. I am trying to blame someone but only because that car would not have been on the road with me driving if it was not insured. Please understand that I am self employed, and have three children, I am not a careless driver and I was not solely responsible for this accident. I have never had a ticket nor any infraction on my driving record.

Answer 1

Sorry but cars aren't insured, drivers are. Doesn't matter if he had it or not. Since you don't it's your responsibility.

Answer 2

If you have at least liability insurance on your own car (the most basic insurance you can have) then your insurance becomes primary in this case since the vehicle you were driving has no insurance.
-You better call your insurance company immediately and notify them that you were in an accident driving someone else's car and their vehicle had no insurance. Your insurance company will first investigate to confirm your landlord didn't have insurance and once this is confirmed as well as the fact that you were responsible for the accident then your insurance handles damages to the other vehicle and POSSIBLY the landlord's if you carry full coverage (collision coverage).
-Normally, insurance follows the car and not the driver, however, when it's deemed there is no insurance on the car then the driver's insurance becomes primary. Call your insurance company immediately to confirm your policy coverage as it could vary from state to state.

Answer 3

You have a ticket for failure to yield, and you will need to go to court on that and probably pay a fine.

You are not responsible that your landlord didn't have insurance as required. You are not responsible for any damages, your landlord is. Insurance goes with the car, not the driver. You were driving with his permission, and acting on his behalf, but the damages will be placed against the owner of the vehicle, not you. Relax.

Answer 4

The vehicle operator is responsible for verifying that there is insurance on the vehicle before driving it. You should have asked to see his insurance card.

You and the owner are jointly responsible for the damage. If your landlord is a stand-up guy, he'll cover the damage out of his pocket. If not, you could be screwed. Well, actually, you BOTH can be screwed.

You need a lawyer, and you need one NOW!

BTW, your ONLY obligations to your landlord are to pay your rent on time and take care of the property. You are NOT his chauffeur or care-giver.

If he was healthy enough to be driving your car in chase, he was healthy enough to drive his OWN car! Use your head on this! He KNEW he didn't have insurance and was USING YOU to try to avoid getting nailed for driving uninsured!

Again, you need a lawyer and you need one QUICKLY!

Answer 5

In my experience it is primarily the owner of a vehicle who is required to insure the vehicle. This is the law in CA and in FL. If you have a vehicle, and have insurance, your insurance carrier would be in the secondary position regarding liability in this instance, and this would be for damage to any other vehicle. Your landlord is financially responsible for any damage to his vehicle and to any other vehicle, and as a property owner, he has assets that can be attached to settle any lawsuit. Unless you have significant assets, it would be difficult to collect from you. The last accident I had where an uninsured motorist ran a red light and totaled my car, I ended up having to collect from my own insurance company, as it wasn't worth trying to collect from either the uninsured driver of the other vehicle or the owner, who failed to properly insure his vehicle.

The other consideration is did the semi enter the intersection on the yellow, or had it turned red when he entered. Big difference. But primary financial responsibility rests with the owner of the vehicle, and not the driver, however you must have insurance on your own vehicle, therefore you should be checking with your own insurance company to report to them that you have had an accident. My insurance covers my vehicles, as well as provides secondary coverage for any vehicles I drive.

Answer 6

you got hit on a left turn and you never got a ticket before?? you wait until traffic clears no matter what the color the light is. anyway, you are obligated to make sure the vehicle you are driving is registered and insured. most people don't do this so your case happens a lot when people swap cars. you should seek advisment from a lawyer.

Answer 7

if there was no insurance and he knew it. he will say he never gave you permission to take his car. and if you have a car your ins will cover any car you drive. But I'm thinking you don't have a car and use his all the time. and now that you had a accident, you want someone else to pay for your mistake

Answer 8

The police could touch the insurer, tell them what has surpassed off, and ask the insurer in the event that they could nonetheless honour cover decrease than the circumstances. interior the familiar public of situations, if no longer in all situations, the insurer does not honour cover as they make it somewhat clean to you once you stick to for the coverage that giving fake information or withholding information could desire to invalidate the coverage. in addition they ask you to envision each and each of the info on your archives once you get carry of them, so whether the 1st time it have been a real blunders, you have been conscious once you purchased the archives. If the insurer tells the police that they does not honour cover, the police will charge you with utilising without coverage. If stopped on the roadside, they'll grab your vehicle. you may could desire to pay an exceptional of around £2 hundred and could get 6 factors on your licence. you may additionally could desire to pay restoration and impound expenditures to get your vehicle back. the concern is that to get your vehicle back, you like coverage, and in case you pass to an insurer and tell them which you had a coverage cancelled for giving fake info to a prior insurer and you besides could have 6 factors for no coverage, maximum insurers could turn you away, so except you're waiting to pay stupid money for somebody who will address intense possibility coverage, you are not getting your vehicle back. Insurers are clamping down on people who lie to them. they have presently have been given jointly and shaped the coverage Fraud Bureau made out of former cops. they're exhibiting that fraud wont be tolerated by utilising utilising people as an occasion. they're taking them to courtroom and getting them charged with identifying to purchase coverage by utilising deception it relatively is a fraud conviction and could be punished by utilising a reformatory sentence as that's a criminal offence particularly than a motoring offence. basically out of activity, whether the police never end you, what could you do in case you have a declare? The insurer will consistently ask to work out your licence, so except you have additionally lied to DVLA it relatively is severe fraud, you would be filled as quickly as you tried to declare. If yet another motor vehicle is in touch, the insurer of that motor vehicle could sue you as they are able to't declare off your insurer if that's void. Who will combat your case for you if it is going to courtroom? The insurer wont, and solicitors could be very costly.

Answer 9

before driving someone else's learn to drive, you made the decision to go through the yellow while a truck was coming your way, not him, just because he said he had insurance does not put him in the wrong, if he said he had no insurance would you have tried to beat the semi? i bet you wouldn't, so you have no-one to blame but yourself. if it were my car not only would you have the 15g bill to pay but after it was all sorted i would break both your legs for the inconvenience you put me in by not having my car when i needed it. sorry but that's the way life is

Answer 10

get a lawyer. regardless of the insurance issue you are supposed to clear the intersection when the light turns yellow, not try to beat the light