Does SC insurance pay if a non insured driver causes an accident?
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UPDATED: Jun 26, 2016
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Insurance Question from Anderson, SC
Asked on 06/26/2016
Does SC insurance pay if a non insured driver causes an accident? I was parked in the driveway of a friend. The truck that was parked in front of me backed straight into my SUV. I was still in my vehicle. The driver of the truck is not listed on their insurance policy?
Answer given on June 26, 2016
If the auto insurance on the truck did not have a specified driver limitation, there should be no question as to that insurance company taking responsibility and repairing your vehicle. Most auto insurance policies do not have that specification so you should be ok. If the driver is not listed on the policy, the rates for the owner of the truck should not be affected, as the incident will go on the driving record of the driver. If he has his own insurance, then his rates could be affected in the future.However, if there is an exclusion, you would be better off contacting your insurance company and filing a claim with them. It will not affect your insurance rates, but you will have to pay your deductible. After your car is fixed, your insurance company will go to the driver of the truck and attempt to recover the amount of money spent. If they are successful, then you will get your deductible back.
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