1. What happens if someone else is driving my car and gets in an accident?
We rely on cars every single day. If someone else is driving your car, you can be held liable for their actions if they get in an accident and cause property damage or bodily injury to someone else. Let’s talk about the different scenarios that could cause you to be held responsible, who could legally be driving your car, and how this information could change the outcome of a situation.
If you’re driving someone else’s car, and you get into an accident, the law can be complicated. But if you have your own car insurance, then your car insurance policy will pay for any damage to the other car.
If you don’t have your own insurance, then it depends on whether the other driver has collision coverage on their policy or not. If they do, then their insurance company will pay for any damage to their vehicle. If they don’t, then you may be stuck with paying for repairs out of pocket.
If there are injuries involved, then it gets even more complicated. If anyone is injured or killed in an accident where someone else’s vehicle was involved and that person didn’t have auto liability insurance (the type of coverage that would cover this situation), there could be legal consequences for that person. And even if they did have auto liability insurance, but didn’t have enough coverage to cover all of the damages caused by the accident (which would include medical expenses), they could still face legal consequences if they weren’t at fault in causing the accident (for example, if their negligence caused the accident).
2. Can insurance be claimed if someone else is driving?
Yes, you can claim insurance if someone else is driving.
However, it depends on the type of policy you have. For example:
If you have an own damage excess policy, then you might be able to claim. This means that you would only pay for the damage caused by your driver and not for the full amount. The excess will depend on the type of car and your insurance provider.
If you have a third party liability policy, then you might be able to claim if there are injuries or fatalities. However, this will depend on whether or not your driver had permission to drive your car at the time of the accident and if they were covered under their own policy or not.
3. If I want to drive with my car from America to Canada, will my insurance cover me if something happens?
If you want to drive from the U.S. to Canada, it’s important to know that your American car insurance policy won’t cover you in Canada. In fact, most U.S.-issued policies don’t cover you outside the United States at all — even if you’re driving through Canada on your way home from a trip to Mexico or Europe.
That’s because U.S.-based insurance providers are required by law to have a territorial coverage limitation of $50,000 per person and $100,000 per accident for medical payments coverage in order to sell their policies in the state they’re licensed in (in most cases).
In order to be fully covered while driving in another country like Canada, you’ll need a policy from a company licensed in that country that offers international coverage.
While some Canadian insurance companies offer policies with worldwide coverage (and some may even offer an extension for Americans), we recommend checking out these five options for international car insurance plans:
4. What happens if a bike is insured and the insurance company does not pay for it?
Insurance companies are not charities. The purpose of insurance is to protect the insured against liability. If you are riding your bike when you hit a pedestrian, the pedestrian will sue you for damages. If you do not have insurance, then you could lose everything: your home, your car, and all of your assets.
If you were riding without insurance, then the injured party could sue you for everything that they lost because of the accident, including medical bills and lost wages from their inability to work. If they win their lawsuit against you, then they can take everything from your bank accounts and even put a lien on any future earnings until the debt is paid off.
If you were riding with the proper amount of coverage and the other party was at fault (such as failing to yield), then your insurance company should pay out on your behalf. However, if there are extenuating circumstances (such as if they had too much alcohol in their system or they were speeding while driving), then it may be possible for them to avoid paying anything out on their own policy — but only if they can prove that they were not at fault in any way whatsoever!
The insurance company may have decided that the cost of repairing the bike is more than the cost of replacing it. In this case, they can deny your claim.
If you think that this is unfair, you can file a complaint with the Insurance Commissioner’s office. They will investigate and try to get the claim paid by the insurance company.
If they refuse to pay, you would need to take them to small claims court. I am not an attorney and cannot give legal advice. However, I would suggest that if you do not have an attorney representing you, that you hire one before going to small claims court.
Conclusion
It can be confusing to know where to start, but you need to understand that if you’re involved in an accident, there’s a lot of normal daily life that comes to a halt. You need to deal with the legal procedures associated with some kind of accident, and insurance companies want their money. If you’re involved in an accident in which you were at fault or even partially at fault, you may be looking at big trouble.
