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Can an uninsured driver drive another person's car?

What do I do in a situation where I was purchasing a car that got recked the next day by an uninsured driver?

  • Just recently I purchased a car through a friend of my room mate. We made out a contract basically saying that there weren't any damages or mechanical issues, payment info yada yada. We'll the day I got it the battery died and they said that they knew it was low on charge because the (+-) things were coroded. So they got a new battery for me. Well I got the car on a weekend so I didn't have time to get insurance yet. Plus I found out that if I waited 2 days that I could get insurance through USAA because I was getting married 2 days later to my now husband who is in the Army. The issue now is that I got pulled over the day before my wedding because the licence plate lite was out on my car. So the State Trooper followed me for a good mile, no lights on, then all the sudden they came on. I had pulled over to the left shoulder because I was in the left lane and it was a busy night on the highway. The Trooper proceded to move to the right shoulder. After sitting on the shoulder I decided to move to where the officer was. As I moved back over to the left lane, the trooper moved over to the middle lane to assist me moving to the right shoulder. When out of now where a car rearends me. The driver of the car had no insurance what so ever. Sorry for the long back story, but here is my stiuation and question now: - The State Trooper informed me that he wasn't going to pull me over untill he ran the plates and the person that I got the car from had a warrant out for her arrest. I wasn't made aware of this prior to the purchase. Also she only had liabilty insurance on her car, she had given me permission to drive it using her insurance. However, through her finance compay for the car it is in her contract to have full coverage no matter what. So what should I do in this situation? She had a warrant. She didn't have full coverage insurance, like she said she did. I am stuck with a busted up car that it not in my name and the damages wont get taken care of because she didn't have full coverage like she was suppost to (just liability which covers the other persons car if it was your fault) and the kid that hit me DIDN'T have insurance at all. The wreck was ruled his fault by the PD. Should I give the car back to the original owner and let her take him to court to get him to pay the damages? I need advice in a very serious way!! Sorry it was so long, any adivice would be appriciated...

  • Answer:

    Hiya: Short answer: If you do not LEGALLY own the car - you don't have any issues. You won't be responsible for the damage to the car, or anything else in this situation, etc. Based on the info you wrote I believe you are not the legal owner of the vehicle. Long answer: If you DO legally own the car, there will be no coverage for your vehicle under your friend's policy. Their policy probably would have been cancelled as soon as they sold the car. The warranr for arrest, etc will have nothing to do with the insurance. The LEGAL owner of the vehicle could purse the uninsured driver for damage to the vehicle but...what are the chances of collecting from a kid. You could have his license suspended but if getting the car repaired or replaced is your goal...you'll have to work on that for yourself. Good luck to you.

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Well based on the fact you've presented, it sounds to be like you are SOL unless you can do a stop payment on the money which is being sent. You MIGHT be able to sue the other driver for damages IF you have a signed bill of sale. However, if the vehicle legally belongs to you (via bill of sale), then you must have your own insurance. You cannot just use someone elses temporarily. I believe it is illegal to drive without insurance (at least it is here). In that case, neither of your your vehicles should have been on the road, which means that insurance will not cover anything and a lawsuit will probably end up losing you money. You could demand money back, but she really doesn't have to give it to you if you've signed stuff (which it sounds like you have). This is your own fault for driving the vehicle when you clearly shouldn't have been.

You took a car with expired tags and didn't renew them, and drove the car with expired tags and no insurance. All the rest doesn't matter in the least. Unless the owner of car (and that would be which ever name is on the title, not necessarily you) had uninsured motorist coverage on their insurance, this damage won't be covered. If not, you owe your room mate's friend for the damage you did to his or her car. In the future, please don't take cars without getting the clear title, and getting it into your name with good plates and insurance. Chalk this one up to a learning experience.

what ever money you paid demand back/thats no friend/the whole thing was set up by the seller/i cant figure out why people buy from people that have all these problems/the car is not yours/if she gets huffy she has to sue you and the guy that hit you/you cannot sue the guy for damages because its not your car/title and ownership passes in mv/for right now you are out the money that you have paid/sit tight and see what happens//by the by forget that bull pappy about i was gonna get insurance/having insurance on a car is as important as having brakes/you wouldnt drive a car that had no brakes/this is what happens/all y ou needed was a credit card and a vin number and this stuff would be in somebody elses lap

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