I have a cople of questions regarding a minor accident..
1. If Person A ,while driving along, suddenly brakes for no reason other than lack of familiarity with the car, and is rear ended by person B, is person B completely liable for all damages?
2. If both persons A and B only have 3rd party insurance,what would be the positions of the insurance companies in respect of both cars?
Q. 1 - Person B is completely liable.
Q. 2 - Person's B's insurance pays to fix Person A's car, cover expenses, etc. and Person B has to cover the loss of fixing their own vehicle themselves.
In reference to the above query, as person B is the named driver on Person C's insurance, could person A claim off person B's insurance for the reparations to car A, and could person C claim off their own fully comp insurance for repair to the damage to the car driven by person B ?
Apologies for the longwindedness-the names have been changed to protect the guilty...
No. Person C cannot have damage done to the car driven B paid out under their policy unless they have comprehensive driving of other cars which is unlikely.
Just a general comment - things aren't always as black and white as this. Normally, a driver who runs into the rear of another car is at fault, but it may not always be the case. It will depend on the overall circumstances.
why would person c need to have fully comp on any car other than the one that was damaged? it is this car (Driven by B) which c want to claim off their own insurance..
C holds the fully comp insurance on the car driven by B,who is a named driver on C's policy.Can C not claim against their own insurace to repair their own car,for which they are fully insured?
And.. if so, can driver A then make a claim off driver B's insurance for the dmamge to driver A's car?