Quick Answer: What Happens If An Uninsured Driver Drives My Car?

Can you press charges against an uninsured driver?

If you live in a traditional negligence state, you may file a lawsuit against the uninsured driver.

But even if you are successful in proving that the other driver was at fault for the accident, and you obtain a judgment against them, there is no guarantee that you will actually be able to collect anything..

Is it OK to let someone borrow your car?

You can safely lend your vehicle to someone without worrying about whether that person is named as a driver on your auto insurance policy if the following three conditions are met: You’ve given the person permission to drive your vehicle.

Is it worth suing an uninsured driver?

Unfortunately, suing an uninsured driver is generally not a good option, from a financial standpoint. Suing an uninsured driver will not usually put much (if any) money in your pocket. This is because most uninsured drivers have little or no money or assets.

How do I claim against an uninsured driver?

Claiming through the Motor Insurer’s Bureau If you do not have comprehensive insurance or need to claim for an injury after being hit by an uninsured driver, you may wish to claim from the Motor Insurer’s Bureau (MIB) rather than through your own insurer. The MIB compensates victims of uninsured drivers.

Will my insurance go up if I get hit by an uninsured driver?

In fact, a nationwide study found that, on average, insurance companies will raise premiums by 9.32% after a no-fault accident resulting in an uninsured motorist claim. … State Farm was found to be the most lenient with a 0% increase for uninsured motorist claims on your own insurance policy.

Will my insurance go after an uninsured driver?

If you’ve included uninsured or underinsured motorist coverage, your insurance will pay the claim after a collision with an uninsured driver.

How does insurance work if you borrow a car?

rule of thumb is that car insurance follows the car, not the driver. Therefore, if you borrow a friend’s car, you would be covered under that friend’s car insurance policy up to the policy limits they chose. This is what’s known in the biz as “permissive use.”

Can someone drive my car if they are not on my insurance?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

What happens if an uninsured driver hits my car?

If that person has insurance coverage, their insurance pays. If you’re hit by an uninsured motorist, and the police determined the accident wasn’t your fault, one of two things will happen. … Even if you don’t sue, your insurance company may take legal action to recover damages from the other driver.

What happens if someone gets in an accident while driving your car?

Your insurance goes along with your car When someone borrows your car and has an accident, any claims for damages by other parties are made against your insurance policy. The accident goes against your record and could lead to higher auto insurance premiums.

Are you liable if someone else wrecks your car?

Before letting a friend borrow your car, you should know if they have insurance coverage. … If it’s a stranger, then you will not be held liable for the other person’s injuries if there are any, but your collision coverage will be used to pay for your car’s damages.