Will your insurance cover your car if you were at fault?

Will your insurance cover your car if you were at fault?

Will your insurance cover your car if you were at fault?If you have total Coverage Auto Insurance, Then the Comprehensive and Collision portions of your coverage would pay for damages to your own car.

If you just have liability insurance only. Then you just have coverage for the other car and there is no coverage for your own vehicle.

Will insurance companies cover depreciated value from an accident that is not your fault if they determine not to consider your car a total loss?

I am not sure what you mean by “cover”. If the car is totalled, it depends on your carrier, as to whether they will charge for depreciation. Most top A++ carriers list cars at “Agreed Value”, which means you get the total replacement value for the car, regardless of depreciation. ResponseGeico and Alstate insurance would not cover the depreciated value of my car, even however it was not my fault. I was told no one does… I don’t see why, but they say there is no way to figure out how much was actually lost because your vehicle is now considered to have “one accident”. I did ask several dealers if that information matters to them and they said they do take off money for accidents. sorry for the bad news, just another unfair thing in life. ReactionYes, if the accident was at no level your fault and the other party is accepting all liability you can send a request lettering requesting they pay for the depreciating value of your vehicle. I would search more online how to write this, but you will need back up documentation demonstrating the depreciation of your vehicle from at least two different dealerships. A copy of the Kelly Blue Book value will also help. I have now been in two no-fault accidents and in both cases the other insurer’s company has lodged for depreciation value.

If you have PLPD or no fault insurance and you hit someone from behind and their car is fine and yours is not will your car insurance cover it?

No. PL & PD cover injury and harm you do to other persons and their property. Collision and Comprehensive cover your vehicle.

If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?

I have PLPD insurance and was in an accident that was the other driver’s fault. The lady’s insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a brief period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.

How will an at-fault accident while driving a company car covered by corporate insurance affect your private insurance premiums in the future?

Unluckily, IF and that is IF your private policy insurer finds out, if they do a yearly check, their may be a surcharge applied. Please recall that if ever confronted with that question from your insurer, always be truthful or they could cut you. I am a Broker

If someone hits your car and you have pl-pd insurance will their insurance cover your car if they were totally at fault?

Reaction .
Yes.eg: If you have pl/pd, the insurance won’t pay for repairs for YOUR car if it is you fault, but they will pay the repairs for the other car.
Response .
There’s the big problem of having only the required liability insurance. If you do not have comprehensive and collision, you may have to sue the at-fault driver to force his insurance carrier pay. If you have coverage of your own, you can file a claim with your agent and instantaneously collect the damages (less your deductible) and your company will sue his if necessary. If and when they win or receive a settlement, you will get your deductible back.

What does PLPD car insurance cover you for?

Reaction .
PLPD is public liability and property harm. Property harm provides insurance cover against harm caused by you to the other person’s vehicle or building, etc. Public liability insurance covers the occupants of both your and the other vehicle usually to a maximum of $250,000. Note that PL&PD does not cover your vehicle nor you as the driver.

Will no fault insurance cover hitting a deer?

Response .

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If you have Private Injury Protection coverage on your policy and you are injured after striking an animal it should apply to your injuries. You must have “Other than Collision coverage” for the harm to your vehicle.

Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?

It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only “legal minimum”. And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. There may also be an issue if the passenger is a member of your household. #Two answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. .
In the UK – the reaction is ordinary. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled “car accidents caused by family members” to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.

Does your insurance cover you in your friend’s car?

Reaction .
Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the harm caused then you can go to your own policy for extra coverage.

If you are at fault in an accident while driving your friend’s car whose insurance will cover it?

Reaction .
In most states, insurance goes after the car. The policy in effect for the car is usually primary regardless of who was driving. If there are thresholds issues or coverage issues, then the policy held by the driver may apply as secondary coverage.

Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the possessor of that car and is not on that car’s insurance policy?

Response .
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers “you” from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle..
Concerning the party that is not the possessor nor on the car owners policy, the car possessor’s auto policy covers the car and any lawful driver aslong as their were no “misrepresentation” on the insurance application/contract. By misrepresentation I mean, at the moment the car possessor signed the application and contract he was to state any material facts that could switch the underwriting decision such as premiums. For example, if the car possessor has a son who will also drive the car, the car proprietor is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a “undisclosed driver” was operating the veichle the insurance has Two options. 1. He can Void the policy/contract and not cover the auto holder. or Two. He can cover the auto possessor and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car..
Note” In uncommon cases, an insurance company will cover the “undisclosed driver” aslong as the difference in the premium is paid.

Do you have to call your insurance company if your car was not at fault?

Reaction .
The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even tho’ you do not consider yourself to be at fault, the other driver may report the accident to them anyway. Better to be safe than sorry.

Will your insurance cover your car if you were at fault?

What harm does car insurance cover?

Car insurance is too broad to define what is covered and what is excluded. There are different options and coverages that cover different things. Some cover your car itself and will pay to repair your car; this is known as Comp and Collision. Some coverages protect you from being sued; these are Bodily Injury liability and Property Harm liability. Some coverages will pay for your injuries; these are Private Injury Protection and/or Medical Payments coverage. Do you want to be protected from someone hitting you, injuring your family, and not having any insurance? If so, you will want Uninsured Motorist coverage. Talk to your local insurance agent and have them go over all the different coverages and how they work and what they cover. It’s best to know this before an accident and not after. After will be too late.

What is covered by car insurance?

Your car. To be more specific, it depends on the type of insurance. Liability is the most significant and required by law, since that covers what you may do to others or their property. Collision covers what is done to your car. Comprehensive covers whatever is left over, and may cover things like malicious harm or items stolen from the car.

I am 25 from California. If I drove my friend’s car alone with instruction permit and got a minor accident which I am not at-fault will the insurance covers the car harm?

The insurance coverage depends solely on the insurance policy. For example, many policies state that if a car holder consents to someone else driving their car and they get in an accident, their insurance will cover it, regardless of fault. However, the insurance policy may exclude drivers without valid driver’s licenses or with only instruction permits. The law in the state where I grew up mandated that even if you were driving with a permit, a licensed driver had to be in the passenger seat. Is this also true of California instruction permits? If so, it’s likely that the insurance won’t cover it because a disturbance of the law occurred. But the bottom line is that you have to cautiously look at your friend’s insurance policy and look for clauses that state who the car can be loaned to. If you’re at odds with your friend over the accident, I suggest calling the insurance company and finding out. Don’t provide any of your private information to the insurance agency and don’t state who you are (make up a name, say you’re just checking into their coverage, whatever. Because if you identify yourself and the call is recorded it could be used against you to prove liability later.). Just state that you want to know if, under their policies, if you loaned your car to someone with an instruction permit in CA and they got into an accident, would it be covered under their policy? That’s indeed the only way to be sure unless you and your friend are copacetic and you can check out the actual policy yourself.

Does liability insurance cover your car if you are at fault?

Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have “liability only” coverage, then their is no coveragefor your own vehicle if you were at fault.

Are you covered with insurance when you buy a car?

If you all ready have insurance on a car you sold or traded in all you have to do is contact your insurance company . Depending on the fresh car, your age, and driving record the cost will switch for the insurance. If you don’t have insurance at all you are required to get insurance within a timeframe set by law and by the lender.

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You wrecked your friends car it was your fault they had no insurance nor do you what type of insurance do you need that will cover you when you drive some else’s car?

You can buy a “Non-owners” or a “Named Operator” policy that will cover the harm you cause to the other party for injuries or property harm to the other vehicle. The only way to cover harm to the vehicle you are driving is to have the holder of the purchase a traditional auto insurance policy, with comprehensive and collision coverage, and then list you as a driver on their policy.

Does car insurance cover scrapes?

It will depend on the number and depth of the scrapes and your insurance policy. In most cases, by the time you pay the deductible and the possible increase in rates, it would cost you too much to have the insurance cover getting them immobile.

If a driver has no insurance but drives a car covered by no fault gets into an accident will the holder of the car be able to file a claim with his insurance company?

No fault laws refer to injuries only not property harm. If you have comprehensive and collision coverage on your vehicle the harm to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver’s injuries if he does not own a vehicle then the private injury protection on your policy will cover his injuries, once again subject to any exclusions.

Car is at fault but they have no insurance?

I can tell you what happens in the State Of Alabama… Where we have a MANDATORY insurance law… To “protect” the law obiding, insurance carrying citizens from suffering a loss due to an uninsured motorist…..
ABSOLUTELY NOTHING.*****.
Even however we have a LAW, it is a paper tiger..
I have dialed numbers until my fingers are blistered. I have talked on the phone until my ears are sore and my mouth hurts. In the end, I have been transferred, given wrong numbers and told to contact my congressman to “strengthen” our mandatory insurance law..
I did find out one thing tho’, we have a form called an SR-13 that can be downloaded from the Alabama Dept. Of Public Safety website. Even however this has nothing to do with the law or disturbance of it, it is tied to an old law that protects people from suffering a loss in the event of an accident with someone who has no insurance. Basically, their license will be suspended from anywhere inbetween Two and Ten years. Depending on the circumstance. If you are in Alabama, call the Dept. Of Public Safety and ask about this form or go to the website… http://www.dps.state.al.us/ and go after the quick links.. If you’re not, contact the same department in your state and embark there. Hope this helps.

Will your car insurance cover your motorcycle?

You would need a seperate policy with most companies I would check with your agent or get a fresh policy by callin Allstate at 877-834-0398

What do you do if you get into a car accident with no insurance and you are claimed to be at fault?

You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.

Does insurance cover the car or the driver?

Both. It covers the medical expenses of the passengers and the cost of repair to the cars. That is assuming you have utter coverage.

If a vehicle that has been stolen is involved in a car accident and is at fault whose insurance will cover the harm to the 2nd vehicle?

The 2nd vehicle will be covered by it’s own insurance. That company will then attempt to sue the driver to recoup it’s losses

Will your insurance cover your car if you were at fault?

Will your insurance cover damages if your daughter is driving your car and there’s an accident and the other person is at fault?

Yes but with subject to Your daughter is not excluded from your policy, you do not have a “limited” policy, your daughter holds a driving licence and has not consumed any alchohol and the insurance policy is not void. The damages to your car and to the third party property of the person can be covered up to the limit specified in your policy.

If someone hits your car and you have no insurance will their insurance cover your car if they were totally at fault?

Yes. All registered drivers are required to hold liability insurance, which means that if they cause an accident, their insurance will pay for damages to theother peoples’ cars. So, if the person does hold the required insurance, and is entirely at fault, your damages will be covered.

If you are in an accident where other driver is at fault and their insurance is covering car rental what can you do if insurance stops paying for car rental but car is still in shop being repaired?

Ask the insurance company why they are no longer paying the rental bill. If they have accepted liability the only reason they would stop paying would be due to the repair shop taking excessive time to finish the repairs. (In the insurance company’s opinion). Albeit you will be roped into this, it should be inbetween the insurance company and the bod shop. If the insurance company won’t budge ask the repair shop to pick up the remainder of the rental bill until repairs are accomplish. This is common in this industry.

Does health insurance cover you in a DUI accident if its your fault?

It depends on what type of insurance policy you have. Some states have the “no-fault” insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.

Does your insurance cover you to drive a car that has no insurance?

Your private auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay very first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to demonstrate proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.

What insurence covers the driver who is at fault?

Assuming that the at-fault driver maintained it at the time of the collision, his/her autoliabilitycoverage would be triggered.

What if you were in a car accident that was not your fault tho’ you did not have insurance but the vehicle is insured?

If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.

If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?

Yes, if your policy has adequate coverage. If you have utter coverage insurance, your car will be repaired entirely and your portion of the repairs will be whatever your deductible is.

What do you do if the at fault drives insurance company denies to cover damages to your car?

That’s your insurance companies problem, let them deal direct with them on your behalf (their job) and the two can determine which one pays. Just get some estimates and have the deductible ready.

Does car insurance cover injuries?

Yes. Whose injuries and how much maximum can vary greatly. The best thing to do is to find a knowledgable agent that you like and can trust and sit down and discuss your needs and wants. A good agent will find the right prce for what you want. An independent agent is your best bet as they represent several good companies that are competetive in their area. Mainly, find one you like and can trust.

Can you get insurance after your car is stolen and it be covered?

If you attempt to get theft insurance after the car is stolen you will go to Jail! The insurance companies have no sense of humour about FRAUD! Penalty for Insurance Fraud in the U.S. is up to 20 years in prison.

Is your car covered if the driver does not have insurance?

If you have insurance on a car anyone who you give permission to drive the vehicle is covered under your insurance. This is normally covered when insurance companies ask if there will be any other drivers for the vehicle.

Will your insurance cover your car if you were at fault?

What does esure car insurance cover?

Esure car insurance covers harm to your car, fire and theft, windscreen harm, breakdown assistance, private injury among other things. Esure seems like a safe insurance company.

What do you do if you get into a car accident and have no insurance and your at fault?

Beg and Pay. You will be responsible for all costs associated with the accident. If you don’t have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should attempt and work out a payment plan with the insurance company. Depending on the state you live in you will very likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in total. You may be able to get a limited permit to go back and forward to work only.

What does liability car insurance not cover?

Liability automobile insurance only covers harm caused by you to another party for their bodily injury and property harm caused in an accident where you were the fault. The coverage is limited by the policy and the amount of coverage purchased. For example, the insured may have 25/50/25 which means the maximum that the company will pay for damages on your behalf is $25,000 per person for bodily injury with a maximum of $50,000 per accident for bodily injury, and a maximum of $25,000 in property harm. Liability also comes in CSL or Combine Single Boundaries where you may have purchased an amount such as $100,000 per accident no matter what area it is needed to be paid.

Will your comprehensive auto insurance cover your car if you were not at fault in the accident but other drivers insurance denies claim?

Let your insurance company/agent treat the claim–they will collect from the other insurance if there is a valid claim. You’ll need a police report.

Are electrical faults covered in home insurance?

depends what you mean, insurance will pay for a fire from an faulty electrical system, the insurance company will not pay for the faulty product itself only the resulting harm.

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What are the thresholds covered by car insurance?

There are all different types of coverage for an auto policy as well as different boundaries of coverage. Some boundaries and types of coverage are required by law and other amounts and types of coverages are up to the individual proprietor of the policy.

Who covers the costs for medical and car repairs if the other person who is at fault doesnt hcarry their own insurance?

If the other party does not have auto insurance and you do not have uninsured motorist coverage on your policy then your only recourse would be to file suit against the party who is at fault and hope to be able to recover bruised. This is the reason for having uninsured motorists insurance on your policy is because sometimes people don’t have insurance as they should.

Where can one find low cost car insurance that not only covers the one whom fault in the accident it is but the other person who is not at fault?

The car insurance in which you are looking for is called ‘no fault insurance’. It is regulated state by state and not all states require you to have such insurance, some states have only require one to have liability insurance.

What is covered in car insurance?

In Car insurance, the Very first Party coverage part covers harm to your own vehicle, whereas with Third Party coverage, when a pedestrian get hit by your car (incurring death or permanent disability), the loss will be compensated by the Insurance Company.

What is the meaning of no fault car insurance?

No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.

What are the benefits of Florida no fault car Insurance?

Florida’s no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Harm done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.

What does improvised car insurance cover?

A makeshift car insurance can be paid on a daily basis from day 1 to day 28. One can also insure other drivers of the car and one can drive another car.

Does liability cover your car if the city is at fault?

I would need more information to give you the best reaction but let me guess at what you might mean. If the City is truly at fault then their commercial insurance would pay for the damages.

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