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.
#2 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 answer is simple. 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.
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How does liability insurance work when the driver has an accident and kills a passenger due to drunk driving?
Barring any policy exclusions to the contrary, the driver would be held responsible (assuming they were at fault for the accident), and their Bodily Injury Coverage, (and perhaps medpay and pip, and some others) would cover this sensless death, up to the policy limit. More accident/loss details and …I could perhaps assist you more. . In the UK all drivers must have in place a valid policy of motor insurance which will cover injury or death to third parties as well as damage to third party vehicles. The motor insurance policy will pay for the fatality caused here, but terms of the insurance policy might allow the money to be recouped from the driver depending on the clause relating to excessive alcohol consumption. The driver would also face a criminal conviction. To read all about the different types of motor vehicle insurance see the related link entitled "accident car insurance" and to see the claims process following a fatal accident see the related link entitled "fatal accident".
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?
Answer . As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right?
What happens if a car accident was not your fault but you were driving a friend's car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did …not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
Car insurance:liabiltity No. Because liability only covers the damages to the other persons car in an accident. "3. Property Damage Liability This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to …someone elseï¿½s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit." See the link below for more information on coverage. Answer No. Liability takes care of the other driver and his vehicle only. Answer No. Unfortunately, liability only covers the OTHER guy's car. If you do not buy the "comprehensive and collision" coverage, YOUR car is only covered if the OTHER guy is at fault. Answer In the UK there are three main types of car insurance: 1. third party; 2. third party fire and theft and 3. comprehensive. The first type will not pay for damage to your vehicle in any event; the second will pay if damage to your car is caused due to fire or theft and the third will pay in any event for damage to your vehicle. If however damage is caused by the user of another vehicle you will be entitled to claim compensation from the other driver's motor insurance for your vehicle damage and if no insurance is in place form the Motor Insurers Bureau. See the related link entitled "car accident claim" to see how to show legal fault for your car accident.
Who would cover your sons injuries sustained in car accident while driving in NY state with AL liability only auto insurance?
Answer . \nLiability is only to cover the other person. You might have to pay out of pocket for your son.
Will homeowner's insurance normally cover a property damage claim which exceeds the liability coverage limit from a car accident?
Answer . \nNo.
How much would insurance cost if you were involved in a car accident that was your fault and both drivers have liability insurance?
Answer . How much will it COST? If you have a good record of several years without claims, your premiums may not increase, but if you are a new driver or have had prior claims the increase will be determined by your insurer and no one else can give you a definite answer. Or how much will it PA…Y? If it was your fault, your liability coverage will pay for the damage to the other driver's car and if you do not have collision coverage, you get to pay for your own repairs.
In Michigan if you are in an accident not at fault and have liability insurance only is the driver at fault responsible for damages to your car?
Answer . Yes only for Auto, Campers, Motorhomes while on the highway What's No-Fault Insurance?No-Fault Auto Insurance Coverage pays for each driver's own injuries and property damage, up to the limit specified in the policy, regardless of who caused the accident. Because No-Fault insurance var…ies by state, ask your claim representative if this applies to your situation.Ref: Allstate @ http://www.allstate.com/claims/auto-insurance-faqs.aspx
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage attached to it. Therefore, their insurance should pay any medical bills you may be charged for.
What happens when you get into an auto accident that is your fault and the demands of the other drivers claim is higher than your liability limit on your insurance?
The other driver has a right to sue you to recover any damages not covered by the insurance. It could mean a lien against you and against any property you own. If you have nothing thay can take, let them sue. They can't get blood out of a stone and they can't take what you don't own.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage..
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 coverag…efor your own vehicle if you were at fault.
I got into an accident delivering a pizza and all i have is progressive liability insurance does progressive have to cover the other guys damage to his property if i was at fault?
The insurance is actually PL/PD, which is Public Liability and Property Damage. This coverage is mandatory in most (or all) of the US and Canada, as it is to cover any damage or injury that you cause to the person or property of others. The public liability portion of the insurance is to cover… injury or death of the other person in the event that you cause an accident. This may include, but is not limited to, rear-ending someone, hitting a pedestrian, or driving into a store. The property damage covers the cost of physical items, like cars, buildings, telephone poles, etc, that are damaged by your neglect. I believe that if you do not have proper insurance for a delivery driver, then your insurance company may choose not to cover you for PL/PD if you get into an accident while delivering pizzas. I have heard, however, that the specific insurance you need for delivering pizzas depends largely upon whether you wear a uniform, have signs or decals on your car, and how many hours you work or kilometres you drive.. but don't quote me on that.
If you have only liability auto insurance should your insurance provider help you with a claim settlement against another insurance company after a auto accident?
no - your insurer is under no "obligation" to help you. Best bet is to pursue through small claims court. if damage is greater than small claims value - consult an attorney and negotiate a reasonable fee (usually a % of settlement amount and you owe nothing if you lose)
Does liability coverage cover passenjures injured in your car during and accident in which your car is the only one reported damagesd?
If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK - the answer to this is "yes". The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury ev…en when only one vehicle is involved in an accident. See the related link entitled "accident car insurance" to see all the types of vehicle insurance you can have in the UK and what type of liabilities each type of insurance will meet.
Well depends if you had permission to drive the vehicle. If you did then their insurance should cover the damage. But you might be sued over any deductible they may have so I would just offer to pay the deductible. If their ins does not cover the damage, you more than likely will be sued for the …damage.
Damages to other's vehicles, property, or persons in an accidentwhere you were found at fault . In "no fault states" eachperson's policy covers the other's damages without requiringdetermination of fault.
passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance
A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the dr…iver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
How much can you be liable for an at fault accident with 2 parked cars. Your coverage is 5K liability and you estimate the repair cost to be 15K. Will the other guys insurance companies go after me?
Your financially liable for all damages and associated losses. Whatever that amount happens to be. Your insurance policy will pay up to it's policy limits.
Time to dig into your savings and pay the claim yourself or you can find your drivers license suspended for the next 10 years or until you pay off your debt from the accident, whichever comes first.
Liability coverage is "third-party" insurance that pays for injuries or death to another person as a result of the insured's negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence. …Therefore, if the theory of the negligence was, for example, that a landowner created a dangerous condition that proximately caused the single-car collision, the landowner's liability insurance could arguably be triggered so as to cover the incident. If a passenger was killed in a single car collision, the driver/owner's liability coverage may be triggered if the driver was negligent in the operation of the vehicle.
Well, generally you get a fine (ticket) to pay, Most states will now confiscate your vehicle and suspend your drivers license. If you were at fault in the accident you can also be sued by the other driver and any passengers that were injured.