I am 18 and have no driving license. I drove my car and stepfather had an accident at the fault.
His vehicle has no insurance. On the other driver's insurance has paid its damages. Now her insurance company tries to collect from my stepfather. I thought the coverage of the other driver is uninsured accidents. I rode without his permission.
asked Feb 29 '12 at 15:06
Yes, property damage cover their uninsured damage, but the insurance company wins rights of subrogation. Subrogation means that insurance companies " steps into the shoes " of the meaning of the vehicle owner, they are in the same position as the vehicle owner was. Since you owe ( your father ) for damages, the company insurance has a right against you (you have to repay ).
Coverage protects the owner of this car, not you. You must pay for damage you.
answered Feb 29 '12 at 15:06