If a car is covered with liability does it still cover the other person's car IF the driver is not under the policy or even has a license? the other person's insurance company is refusing to pay Grrrr
Actually, that is exactly what liability is for. It doesn't cover yourself (that is what full coverage is for). Liability covers damage YOU create that is outside of your direct control (ie...the person you hit). Liability would NOT pay for the damage that was incurred to your own vehicle if you were at fault. I stayed at a Holiday Inn Express last night.
you quoted him but still misunderstood? the other party has LIABILITY. biggie, from what i was told from my agent, he said insurance covers teh driver, not the car. which would mean, your SOL. i do remember my car was covered when my sister wrecked it. she was not insured, by i did have full coverage so i guess it didn't matter.
Is the case you seem to be discribing... Someone who was doesn't have a license and is not on the policy, hit your car. ? If that is the case, I think your choices are to sue the person claiming they didn't keep the keys in a safe place (low chance of winning and even if you do, do they have money? - probably not so payment is still a problem.) or get your insurance to pay if you have full coverage or uinisured motorist (since the other driver did not have insurance). I think insurance only covers drivers on the policy, not who ever drives the car. If I were to drive your car and wreck it, my insurance would have to pay, not yours. You could tell your insurance agent the situation and maybe the can go to bat for you but I think that it will ultimately come back to you. But then again - I didn't sleep at a Holiday Inn Express last night so I could be full of it.
BAD NEWS: You are sol if he was underaged and had no insurance. GOOD NEWS: You're UMPD/UIM should cover your loss w/ a $250 deductible and full rental coverage, with no hit to your premium. So the worst that comes out of this is, you lose $250 (could be worse). You could always file a civil suit via small claims for your $250.
more GOOD NEWS: you are wrong (UMPD/UIM claims are not typically held against a policy holder w/ the underwriter)
i don't know. insurance companies seem to use anything these days to increase your premium. i admit though, i'm not that savvy in the auto insurance industry. as for example, i made 2 claims for a cracked windshield by using those "free" windshield repair guys you see at gas stations. when my policy was up for renewal they used that against me. kinda lame excuse to raise it, don't ya think.
UIM is specifically designed to protect a policy holder against rate increases when they are forced to use their own insurance for an accident that is not their fault. Those are "comp" claims. Along with coll claims, they will always affect your rates. UIM and coll/comp are different when it comes to rates and underwriting.
I've worked in insurance and have many friends who still do. You need to have Uninsured Motorist Protection. You pay the deductible and they cover the rest. If this is the 1st time, it should not effect your rates. You can fight it if they try to raise your rates. If it happens again, then they'll raise your rates for sure and claim that you are accident prone, even though they weren't your fault. And definitely sue the guy.
I didn't misunderstand him at all. You misunderstood me. I was speaking in generalities. But I'll clarify my statement for you: If the guy that hits him has liability then his coverage would need to pay for your car but it won't cover repairs to his own car.
