*Loan,banking and credit>>>accident insurance

What happens when someone get's into an accident in a vehicle that they are not covered on in the insurance?

Honestly, I don't know why uninformed people drop their opinions here...

Have the owner of the car check their policy documents. A lot depends on the state's laws, so the answer could vary. Many states have "Permissive Use" allowances under Collision Coverage, which states that "non-listed drivers will be covered in the event of a loss of the covered vehicle wherein the non-listed driver(s) was operating the vehicle WITH THE PERMISSION of the named insured." The quote is a paraphrase of the actual language, which will vary.

In short, if permissive use is in the policy, it's covered. The owner's premium will take a hit because of your accident though. It's also entirely possible that your own insurance may be primary, or that there's no coverage; it's all about the state's law. The owner should go to the coverage docs. Source(s): I worked for a major insurance company in Auto Claims, spent three months in class learning how to memorize policy documents, legalese, and interpret insurance law.

If the driver in your example is at fault, he/she would be personally responsible for damages, as well as receiving a possible citation for driving without insurance. The owner of the car would have secondary responsibility for any damages.
That would depend on where they live, here in Ontario we have what is called no fault insurance, which means your own insurance company pays your damages and the other persons company pays their damage.

So in your scenario with no insurance you will get nothing, it's also illegal to have no insurance on a vehicle so you would be charged with driving without insurance and it has a large fine.

The person that was hit will be covered under their own policy.
Suppose I'm driving your car. I'm insured to drive MY car, but not YOUR car.

In this case, my insurance would come into play in order to compensate whoever I hit. It might also be used to compensate you for the damage to your car. However, my insurance company will argue that you let me use your car, so you bear some responsibility.

If I have no insurance, but I'm driving your car, your insurance is likely to be pulled in, especially if you gave me permission to use your car.

In the case where I have no insurance and your insurance refuses to pay, I'd get sued. And maybe you.

In some states, there are "no fault" rules and uninsured motorist pools. In these cases, things may vary.
Dude I'm sorry buy you are screwed. And so is your friend for letting you drive their car. Enjoy the bus.
it really depends on the type of coverage you have. if you have liability and the uninsured person driving your vehicle is at fault, then you'll be responsible to pay for any damages. if its not the uninsured person's fault, then the other vehicle owner is responsible for damages.

if you have full converage and its the uninsured's fault, then the insurance company still covers both vehicles, but usually they will require you to pay your deductible up front.

your insurance rates may also go up, even if it wasn't your fault. in some cases when accidents happens, based on the location of the accident, the insurance companies consider that to be an at risk area and they penalized you for that.

good luck