Who is responsible in automobile accident if not covered by insurance?
yourhandswereshaking asked:
Who is responsible for damages in a car accident if the person driving the car is not on the insurance of the car? Also, if they are listed as a “dependent” of someone else, does the person they are the dependent of become financially responsible?
Does the owner of the car become financially responsible or the person the child is dependent of?
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Who is responsible for damages in a car accident if the person driving the car is not on the insurance of the car? Also, if they are listed as a “dependent” of someone else, does the person they are the dependent of become financially responsible?
Does the owner of the car become financially responsible or the person the child is dependent of?
April 22nd, 2010 at 9:27 pm
Insurance covers the car then the driver.
If there is no insurance on the car, then you go to the drivers auto insurance if they have any.
But this is a sticky issue due to no insurance and possibly a minor since dependent of someone else and cannot be covered here since there are so many variables that no one will be able to specifically give you a right or wrong answer.
Now if this is someone else’s car that hit you, I suggest you call your own auto insurance company and pose the questions. If you are not at fault, your company can advise you on the best recourse to take.
But if you are asking because you are the owner and have no insurance and are liable to someone else for their damages, you have some problems.
good luck lucy
April 26th, 2010 at 4:15 am
Both the driver of the car, and the owner of the car, can be held financially responsible for any damages in court, assuming that the car wasn’t being stolen. If the driver is a minor, you’d go after the parents of the minor as well.
Not sure what you mean by “dependent”, that’s a tax term, not a legal one.
You sue them BOTH (or all).
That doesn’t mean you’ll actually see any MONEY, though. Winning a lawsuit doesn’t guarantee payment. mbrcatz
April 28th, 2010 at 1:06 am
If there is no insurance on a car than the driver of the car and the owner(if different) both can be sued (jointly or individually) .
If minor is driving the car than the parents or legal guardians would be financially responsible.
If a person who is visiting (on a visitor visa) or is sponsored by you (considered your dependent) than the person who has sponsored them would be financially responsible in case of the car accident has been caused by the person who is visiting.
Thanks. Insurancetips