Accident car insured but not driver

It’s a common misconception that car insurance follows the driver. In reality, car insurance follows the vehicle. This means that if you loan out your car to driver who is not excluded on your policy (see “When Could You Be Held Liable?” below), your car insurance is the primary coverage that would apply if a crash occurred. The driver’s insurance would act as secondary (or excess) insurance.  · They pay for damage from the vehicle from either vandalism or an accident. If someone other than the insured is driving, even with permission, . If the person driving the owner’s car did not have permission to drive the vehicle, the car owner’s insurance would not cover the driver. And, thus, the car owner’s insurance would not cover people injured in an accident caused by the driver. In cases of non-permissive use (i.e., the driver did not have permission to drive the owner’s car), the at-fault driver’s insurance acts as the primary coverage www.doorway.ruted Reading Time: 4 mins.

Your failure to obtain a driver’s license does not make you automatically negligent or at fault for a car accident. You must be shown to be careless or reckless (29) — While some insurance companies will decline coverage to someone without a driver’s license, other insurers will extend coverage. As said before, the car will likely be insured, but the driver may not. If you want all drivers to be covered, ask your auto insurance company and get the specific policy you want. In: articles, auto insurance information. Have you been involved in a car accident with other driver who has no insurance? Are you looking for a Car Accident Other Driver Has No Insurance - Finance In U.S.

If you’re purchasing your first car, buying used is an excellent option. You’ll not only be saving a considerable amount of money, but you’ll also avoid first-year depreciation hits new car owners face. Whether a car is old or new, having a car insurance policy is a necessity. Sometimes used cars are purchased from individuals rather than dealerships, which can require more of the buyer’s participation in the process of transferring the ti. Whether you’re shopping for car insurance for drivers with a suspended license or want the maximum coverage available, a range of choices exist in the marketplace. Check out these 10 options for automobile insurance. One way to get car insu.