Can an uninsured person claim off an insured persons insurance, through the insurance company?

jamand

There's always one isn't there

lil southern girl

Assuming you are talking about a car accident, an uninsured person can only claim off the insured person's policy IF the insured person is the one at fault.

More info is really needed here.

Leah

If, for instance, you were in a car crash and it was your fault, then any injured party (insured or not) could claim from your insurance.
.

EaterOfTartanColouredSmarties

In Ireland, if the insured person is at fault then the uninsured person can claim.

So taking this to extremes, if a joy-rider steals your car and is hit by a truck then he can claim for medical bills from the truck driver and the owner (you) can claim for damages to your car too.

Hope this helps!

jmrob29

wow - let's talk in circles...

If the uninsured person was a passenger in the insured's person vehicle then yes, they can.

JeffyB

It depends upon what (if anything) the insured person did to the uninsured person.

stewiegriffin4president

If the insured party is at fault, yes.

WelshLad

Judging from the answers it appears you can - the law should be changed, why the **** should I pay my premiums if non-insured drivers can still make a claim.

fisherwoman

Do you mean you were an uninsured driver and wrecked with the person who had insurance? The person who had insurance, is likely carrying insurance that covers them if they get in a wreck with an uninsured driver, it benefits the ones who pay, not the irresponsible ones who choose to not carry insurance.

JEREMY S

Almost always NO.
Generally only if the claim in question is a Uninsured Motorist or General Liability on homeowners.

Way more detail is required here. Sounds like insurance fraud.

b_i_l_l2002

No. But the insured might make a claim on your behalf if you have suffrered a loss through his fault.

genuine_duck@btinternet.com

It depends upon what type of insurance you are talking about.
If it is car insurance. Then no. In fact you can be prosecuted and have a claim against you for not having insurance.
If you are talking about personal, then yes. Providing that the claim can be proven. Then you can make a claim.

deadman

no. thats why everyone needs to be insured.

Mark J

No because you are breaking the law by driving on the road uninsured. You should not have been there so the insured persons insurance company should tell you to get lost.

I hope it is not you but if it is you deserve to get nothing.

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