It depends on the company and policy. Some will deny it for "operating out of territory". Others will cover it and then non-renew the policy for "operating out of territory". There is no way to say for sure as it varies so much from company to company.
Full coverage auto insurance covers everything. If the car is totaled they will will replace it. Liability auto insurance will only cover medical bills, and not the car if it is totaled.
That insurance will probably cover the BANKS interest in the vehicle and any liability that may be assigned to it, but little or nothing for you.
Sue him.A bit more:If the person who hit you doesn't have enough insurance to cover the damages to your vehicle, then your insurance should cover the balance of the costs if you have full coverage and not just liability insurance.
Collision insurance will cover any damages to your vehicle (or refund you the value of the car in the event that it becomes totaled) in the event of an accident. Collision insurance coverage typically only applies when you are the at-fault driver in the accident. Collision coverage covers any sort of collision whether it be with another car, a pot hole, a tree, a guard rail, a ditch, etc.
Automobile insurance, in most cases, does not cover mechanical breakdown. If your car is not worth repairing from a mechanical breakdown and you are able to replace it within a few weeks to a month I would suggest keeping your insurance policy active. This is to avoid having a lapse in insurance coverage which could result in higher insurance premiums when you get another car.AnswerYour car breaking down, and your car being totalled are 2 separate considerations. If your car mechanically breaks down, there is no coverage. If the car has been totaled in an accident, there may be coverage. I guess, more specific info is needed.
Depends on the underwriting rules as to what they consider indemnifying you. They may cover it, and then subrogate against the other insurer.
If the person who hit you is the one at fault in the accident, then their insurance should cover the cost of the damages to your truck. If they don't have insurance, or if they don't have enough to cover all of the costs, then yours should kick in and cover the balance if you have full coverage and not just liability insurance.
No, they will not.
You can get insurance to cover collision in Illinois. Simply check with your automobile insurance provider and add collision coverage to your coverage.
If you have comprehensive coverage in effect on the date of loss, it should be covered.(I'm an auto rep for an insurance company.)
Yes, if they accept liability and they will pay up to the limit of property damage coverage.
No. Your homeowners insurance coverage is specific to the named insured(s). It does not cover the property of another.