Who pays if a driver w/a suspended license hits an uninsured motorist in a borrowed insured car?(Louisiana)?

Question

the driver w/the suspended license is in the borrowed insured car, the other driver has let his insurance lapse

the guy in the borrowed car said that he was reaching to answer his cell phone while only looking one way before making a turn into the guy w/no insurance

Answer 1

The only issue to determine is if in Louisiana, there is statute saying that the person borrowing the car could legally believe that he had reasonable expectation to drive the borrowed car. In some states, you cannot be covered to drive a friend's car, even if they give you permission-if you know, or should know that your license is expired. The insurance policy states that for purposes of liability, anyone driving the car with the owner's permission, or reasonable belief that they are entitled to drive-is insured for damage or injury they cause to another.

So, if the car that was borrowed was with full permission of the owner and state law says that this is enough to satisfy the reasonable belief requirement, then you would be covered for liability.

The person who was not at fault can't turn to their insurance as they didn't have coverage and could sue you and the owner of the car you were driving, so you definitely want to let the insurance company know and let them research the facts and provide coverage.

Answer 2

The driver with the suspended licence was committing an offence just being behind the wheel to start with, he could be sued for all medical/hospital expenses. If the owner of the car he borrowed KNEW the licence was suspended, he could very well be jointly sued. If the driver he hit was driving with no insurance, he is also committing an offence. Chances are nobody collects property damage expenses from anybody, and it would serve them all right. If the owner of the borrowed car had reason to believe the licence was valid, he will be covered under his own policy, unless he is dumb enough to only carry liability.

Answer 3

The liable motorist is responsible for paying for the damage. Doesn't matter who is uninsured, driving with a suspended license or even in a borrowed car. Liability is assessed on negligence, plain & simple. So whoever caused the accident is legally on the hook to pay. What the insurance companies involved do is a whole different story and maybe someone ends up in court suing the other party, who knows?

Answer 4

well if an uninsured motirists is in a collision in an insured borrowed car the owner of that car is responsible for repair of the vehicle the insurance company would pay for the damages only if the driver is 25 years or older if the driver is not, the resposible party of the car is resposible to pay out of pocket,unless the uininsured motorists is covered under the owners policy, and the suspended liscensed driver will be given a citation or apprehended if he has violated driving w/a suspended liscence more than two times.he only pays volentarily or unless taken to court.

Answer 5

If the guy with the suspended liscence is at fault the owner of the vehicle he is driving will be resonsible for the damage. insurace always follows the owner of the vehicle. But being that the driver had a suspended liscence and was driving illegally, the insurance company will propbably deny the claim which would force the owner of the other vehicle to sue for reimbursement.

Answer 6

I believe that each owner assumes their own expenses and each has to pay for their own. I dont think anyone is liable, but there may be criminal action taken against the person with the suspended license. Insurance companies have hundreds of loopholes to get out of paying out for an accident.

Answer 7

The owner of the borrowed car

Answer 8

driver w/ suspended license cuz they hit the other one