Does SC insurance pay if a non insured driver causes an accident?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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