My car was involved in an hit/run accident with no insurance am i responsible legally because i wasn’t there?
He picked up his friend to attend a funeral hit a bus and took off
Yes, you and the driver are legally responsible for the damage to the bus if the driver had your permission to drive the vehicle. If the driver had insurance, his liability policy MAY kick in as primary.
Filed under auto insurance price quote by on Jul 12th, 2010. Comment. 
When you are involved in a car wreck that results in significant damage to your vehicle and personal injuries to you and/or your passengers, it is a life changing experience. All of your responsibilities are placed on hold. You have to have your injuries treated and your car or truck repaired or replaced, and depending on the extent of your injuries, you may be laid up and unable to work for a prolonged period of time.
Without question, when you are the victim of an accident, you are faced with a good many personal challenges. Fortunately, we are all required to carry automobile insurance, so at least the at-fault driver’s insurance will cover your expenses, right? The short answer is yes, it will…if the driver is following the law and carrying insurance. And if your expenses do not exceed the limits of the other driver’s coverage.
The sad fact is that around 15% of the drivers cruising the roads in the state of Georgia are defying the law and driving without any insurance at all. Imagine being laid up with an injury, your car totaled, and finding out that the person who caused the accident was driving without any insurance. Talk about adding insult to injury.
The way that people can protect themselves from uninsured drivers is by carrying uninsured/underinsured motorist coverage on their own insurance policy. A new law, SB 276, contains what is called a “stacking provision.” This allows policy holders to “stack” or “piggy back” their own uninsured motorist coverage on top of that of the at-fault party if necessary. In other words, if you are in an accident with a driver who has insufficient insurance to pay for your damages, your own coverage can be added or “stacked” onto theirs to make up the difference. For instance, if they have $25,000 of coverage and your expenses are $100,000, your uninsured/underinsured motorist coverage will make up the $75,000 difference (assuming you purchased this much coverage when you renewed your policy).
It is always a good idea to examine the details of your automobile insurance policy when it is up for renewal. Under this new law you can either elect to get the additional stacked coverage, decline it, or accept the limits of the at-fault driver’s coverage. When you consider the fact that some 15% of the drivers that are out on the roads in Georgia have no coverage at all, it may be a good idea to make sure that you have significant uninsured motorist coverage. Being in an injury accident is not a pleasant experience, but being in a wreck due to the negligence of an uninsured motorist can be a nightmare if you do not have adequate uninsured motorist coverage.
If you are the victim on an injury accident in Atlanta, and you have a question about uninsured/under insured motorist coverage and “stacking,” call Atlanta Personal Injury Lawyer, Bruce Hagen at (404) 522-7553, or get in touch with him through the website: hagen-law.com. This new law is somewhat complex, so it is advisable to retain an experienced advocate to review your case and be certain that you are getting all of the compensation that is due you in matters that involve SB 276.
Filed under auto insurance price quote by on Feb 10th, 2010. Comment.
Looking for cheap auto insurance in Los Angeles? Despite what you may think there are a few ways you can go about getting cheaper rates in the land of movie stars and bustling business. When going out to search for an insurance provider use a few tips and tricks to help you save some money in the long run:
Install a car alarm. Though some people may find them troublesome, car alarms are proven to reduce the risk of vehicle theft to an insurance company. This means it is less likely they will have to cash out a claim in the event of a car disappearing in th middle of the night (or day!). To an insurance company, that means that you are a lower risk customer and therefore could potentially benefit from lower premiums each month. While it’s true that some car alarms may be fairly expensive you may find that you will have any costs paid back in the near future and savings alone and will actually save (read: EARN) substantial amounts of money in the months to come.
Find a safe place to live. This may seem like a no-brainer, but living in a safe place is better for more things than just your health. As we all know, some areas of cities are more prone to theft and other forms of crime than others. By living in an area that is known for safety and security an insurance company will take this into consideration when deciding your liability as a customer. External influences such as the area in which you live can play a big part in convincing insurance provider that you are out a lower risk of having something happen to your car and therefore they’re less likely to have to spend money on a claim of yours.
Get an ugly car. This may sound funny, but it all actuality it can be a real asset to you and your insurance company. Yourself this question: what kind of car would I want to steal if I were a thief? Once you answer that question don’t buy that car. The fact is that thieves are more likely to steal certain kinds of cars than they are to steal others. Use this to your advantage and purchase a car that will most likely be low on a thief’s radar. Insurance companies will most likely reward this with lower monthly premiums and other benefits to you as a customer. A good place to start looking at is Ezquoteguide.com for various insurance providers that can help you out in your area.
If you’re stuck and need some help finding good information online try using Ezquoteguide.com for finding the right local insurance information you need right away to help you fulfill your auto insurance needs.
About the Author:
I focus on saving people money and writing on affordable niches. My primary focus is on affordable insurance. In addition, I have had a passion for affordable dental and medical care.
Article Source: ArticlesBase.com – Cheap Los Angeles Auto Insurance – Three Ways to Save on Monthly Premiums
Filed under auto insurance price quote by on Dec 26th, 2009. Comment.