According to Indiana Law:Whos responsible when car is in a accident and you were not driving and not insured?

Question

The insurance company keeps asking me for this money for damages, and I was not the driver in the accident. I am the owner of this vehicle. Still, Is this leagal for the insurance company to bill me even after I've provided them information on who was driving,(my friend) and after diputing the claims that the cost's were hiked up. What eveidence proves my vehicle owing this debt?

Answer 1

The fact you are the registered owner proves you owe the debt. They don't care if someone else was driving your car....it's your vehicle, and you are financially responsible for anything it does whether you're behind the wheel or not. That's why 1) you have insurance and 2) why you dont' let anyone drive your car when you don't have insurance.

The claim isn't "hiked up," as you suggest. The insurance company is out to save money...why would they do such a thing knowing full well they may never get paid? Doesn't make business sense. But you owe the money.

In the meantime, why don't you put a claim in on your friends insurance and see if that helps ya.

Answer 2

AHEM...it's your car. Unless your friend STOLE it from you, you are liable for damages.

I will once again state the golden rule of insurance..."Damages follow the car and its owner...tickets follow the driver at the time of accident."

Doesn't matter what state you're in. You let someone drive your car and they wrecked it. It's your car...you are responsible. Now quit being an irresponsible child and do your part. Or don't. I'm sure you'll have a nice lawsuit filed against you, which will likely cost you even more, once you add in pain and suffering and all that crap.

Have a great day!!!

Answer 3

Wow- each guy or woman so a good distance has have been given this question incorrect. It angers me while human beings answer to in basic terms answer and have not have been given any theory what they're speaking approximately. in the adventure that your motor vehicle is insured under your call (im going to anticipate that's) then consistently remember "coverage follows the motor vehicle- not the driving force." And your coverage could pay out for any damages led to by the twist of destiny. If for some reason yoru motor vehicle isn't insured.. nicely... wait for an prolonged technique that would or won't finally end up alongside with your brothers coverage paying in the event that they're feeling rather beneficiant. base line- your motor vehicle- your to blame for who drives it- your coverage will pay

Answer 4

In most states the owner of the car is liable if the car is willingly loaned to an individual and they cause damage or injury.

You're on the hook on this one unless his own auto insurance extends to any vehicles he borrows.

Just be glad he only caused property damage, if he had done bodily injury or death to another driver you'd lose everything you own.

There's no evidence necessary to prove you're liable, it goes by state liability laws regarding auto insurance or lack thereof. I think you could call any injury attorney and run it by them and they would tell you the same thing, your car, your responsibility.

Answer 5

depends. If you loaned your friend the car you are responsible. If the friend took it without your knowledge, and this was not usual, then no. You might have to file criminal charges against your friend in that case. Insurance companies have sweetheart deals with the government and there is little you can do to them. My advice is to lobby for their abolition, and to pay them as little as the law requires (even less)

Answer 6

i dont no about indiana law but i do no about illinois law and they are gonna gol after the owner and thee other party you can sue the person driving youre vehicle but sorry the person that youre car hit is suewing you just look it up indiana law

Answer 7

Your vehicle..your liable... They sue you..then you sue your Ex-friend.. other wise, it will haunt you for 7 years after they write it off.. Go Colts!