If you permit another driver to use your car, and an accident occurs, you have to file a claim with your own insurance company. Your policy covers the majority of medical bills, property damages, and other expenses. However, if losses reach a certain threshold, you can make a claim against the at-fault driver.
What happens if you are in an accident with a parked vehicle?
- – The driver of a motor vehicle that collides with another motor vehicle left parked or unattended on a highway of this State must report the collision to the owner of the parked or unattended motor vehicle. This requirement applies to an accident that is not a reportable accident as well as to one that is a reportable accident.
Can a person with no insurance be involved in an accident?
- WARNING: THESE LAWS DO NOT PREVENT THE POSSIBILITY THAT YOU MAY BE INVOLVED IN AN ACCIDENT WITH A PERSON WHO HAS NO INSURANCE OR OTHER FR COVERAGE.
Will I Lose my license if I drive without insurance?
- OHIO BUREAU OF MOTOR VEHICLES YOU WILL LOSE YOUR DRIVER LICENSE IF YOU DRIVE WITHOUT INSURANCE OR OTHER ACCEPTABLE FINANCIAL RESPONSIBILITY COVERAGE www.OPLATES.com In Ohio, it is illegal to drive any motor vehicle without insurance or other financial responsibility (FR) coverage.
What happens if a person dies in a reportable accident?
- When a person injured in a reportable accident dies as a result of the accident within 12 months after the accident and the death was not reported in the original report, the law enforcement officer investigating the accident must file a supplemental report that includes the death. (f) Medical Personnel.
In North Carolina, liability insurance follows the car, not the driver. Essentially, this means that if someone borrows a car and causes an accident, the vehicle owner's policy would be the first coverage pursued for compensation.