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Even in a cut-and-dry case where an insured driver is on the policy and at fault, it can be difficult to get the payout you're entitled to. When a driver is not listed on the insurance policy, the insurer may dispute liability (or fault) because the person involved isn't covered.
Pennsylvania law states that anyone involved in an automobile accident resulting in property damage, personal injury, or death, must immediately stop.
Owner Liability in Negligent Entrustment Cases In Pennsylvania, when car owners lend their vehicles to another driver, they can be held legally responsible for any ensuing accidents.
Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
If someone wrecks your car and they are not on your insurance, you may still be able to file a claim with your insurance company. This is because your insurance follows your car, not the driver. However, this rule is subject to change depending on the circumstances of your case.
Contrary to popular belief, car insurance typically follows the car ? not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.
Typically, an insurance company will not insure an unlicensed driver or someone with a suspended license. So if your car accident is caused by the unlicensed driver, he/she will have to pay for damages out of his/her own pocket, including car repairs and medical bills.
reportable crash involves a crash with no injury or death of any person, in which there is no towing due to the damage to the vehicle at the time of the crash. Furthermore, if the incident occurred on private property or was a result of deliberate intent or cataclysm, the crash is nonreportable.