Uninsured friend driving my sports car and coincidence happend, what happen very soon?
We were driving on highway and adjectives of a suddent the truck ahead of us stoped because the car infront of this truck be going at a speed of 10 because she was playing beside her phone (that is what the truck driver said).
Decision was swift and we passed both cars to avoid an accident beside the truck; and my car trouched side of the 10miles/hr coup¨¦. The cause of adjectives of this was the 10 miles per hour vehicle. Anyway she told police that she was going 40 mile per hour (lie). Accident looks similar to my car's fault but she cause it. Later the truck lady also stoped by to inform the policy that this girl was at max 10m/hr. Questions:
1) Since my friend be driving and he is not insured in my policy what is gonna happend to my insurance? Go up?
2) Is the certainty that she was the create of the incident ever be taken into acount either by the insurance policy or by the police?
Thanks contained by advance.
I don't know where on earth you are and laws ebb and flow but in my state the police own no interest in who is at culpability in a minor misfortune, they just flood out a report. That report informs the insurer of all witness statements. As to your insurance going up it would depend on how you folder your claim. If the other party, the 10 mile an hour one, is determined to be the produce of the accident and their insurance covers the damages later it should not go up. Also if your friend have an auto policy of their own it may come into play. Some insurers have happenstance forgiveness too so you had best check next to your insurer to find out about rate increases. The auto insurance is on the vehicle human being driven. If your friend was driving your saloon, your auto insurance policy will cover the accident. You will necessitate to report the accident to your insurance company "immediately". Your insurance company will investigate the misfortune taking statements from "all" and make a determination as to who be at fault.
Should your friend be found to be at imperfection, you will not have a police report on your narrative only an fluke report.
In most states you have to complete your statement on the quirk report within 7-14 days of the misfortune, it will be your friend who needs to complete the statement and correspondence it in. Again, your friend wants to be honest and offer as much detail as possible.
Accidents and Tickets both are rate in your premium but some policies own accident forgiveness.
You didn't speak that your friend was ticketed for the misfortune? Only that the police officer made an accident report. If your friend be ticketed he/she can appear in court and donate a statement to the judge to determine if he be at fault. Your insurance company should be given a copy any determination the consider rules on.
Hope this helped.
It depends on your insurance policy and state law I'm not an expert on this, but I would suggest you take a tour here,here are expert's tips over there.http://car-insurance.online-helpers.info...
Answers: I relate my clients ALL THE TIME...only allow licensed insured individuals drive your car..But too overdue for a lecture...
Most states own a "small claim" forgivable rule - if nothing else is on your insurance history (other claims, tickets) so if it's under $1500-1800 for the damages - you're plausible OK.
If the claim is higher - you will own insurance points and have to take-home pay higher insurance for 3 years! OR until your friend get her own insurance and the points will follow her.
Your friend is likely to be put on your auto insurance policy as a driver until she can prove she's insured SOMEWHERE. And adjectives her points will be on your insurance (if she has tickets & other accident...it could be really expensive!)
Some states (NC is one of them) has a canon that you have to own insurance to have a drivers license - if you live surrounded by one of those states your friend stands a chance of license revoke