Who Pays For Hit And Run Accident in South Dakota
Reader’s Question:
A stolen car hit my parked vehicle that is legally parked in front of my house in Rapid City, South Dakota. I am just wondering if the car insurance company of the legal owner cover my damages in my car?
Chris
Rapid City, SD
Typically the vehicle owner’s insurance provider will not accept an insurance claim or pay out for damages that a thief who stole the policyholder’s vehicle did to your legally parked car in Rapid City, South Dakota.
Normally an insurance carrier will not find that their policyholder was liable for the damages since the vehicle was stolen from them and therefore used by a person they did not give permission to operate the vehicle at the time of the crash.
For a vehicle owner to be held liable for damages caused by their automobile they would have to give the driver permission to drive the car.
If the person that stole the car was caught by police officer he or she can be held responsible for their actions. So you could sue the automobile thief for the cost of your repairs. You can place an insurance claim with your own insurance carrier if you have Collision coverage if the thief is unknown.
Auto Insurance Lapse Due to Non Payment
Reader’s Question:
My auto insurance was terminated due non-payment in Watertown, South Dakota. Do I will have to pay the full year car insurance premium now in advance now to reinstate the auto insurance?
Pierce
Watertown, SD
It will depend upon insurance provider’s underwriting rules if you are trying to obtain car insurance with if you will be required to pay in full for your next car insurance policy for a year.
Also, it would matter if the state requires you to file a financial requirement filing. Most states would require a six month paid in full if you have permitted your car insurance to lapse.
Some factors that will likely play a part in the insurance provider’s decision and if you will have to pay for a full year’s insurance policy in advance would be the amount of time of your insurance lapse after your cancellation due to non-payment. Some insurance company in Watertown, South Dakota will usually reinstate an insurance policy that has cancelled due to non-payment so long as the insurance lapse in coverage has been less than thirty days.
