If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?

already exists.

Would you like to merge this question into it?

already exists as an alternate of this question.

Would you like to make it the primary and merge this question into it?

exists and is an alternate of .

No, Liability Insurance is just as it says, Liability only pays for damage you cause to another. It will not pay for damages to your vehicle if you had only liability coverage.

s from other contributors
Usually they don't. If you had no type of uninsured motorist protection which doesn't cost that much it's in your hands basically to repair your damages. You could sue the assailant for everything they are or ever will be worth but after you win the case they will eventually declare chapter 7 bankruptcy and you'll never get anything from them.
Take my suggestion and GET uninsured motorist coverage on your next vehicle. It may cost a little more but it's well worth it.
another answer:
I live in Texas, and, yes, the liability only pays for the other vehicle, assuming you were at fault. If the other driver was at fault, their insurance should pay you. HOWEVER, I want to explain something that most people don't know. If you have only liablility, and your car burns, you hit an animal, a tree falls on it, or ANYTHING that is not your fault, including running off the road and hitting something, you are just out of luck. BUT, if you have "COMPREHENSIVE INSURANCE" you will be covered for all of these things. Comprehensive insurance is VERY inexpensive, and if you have to file a claim using it, your rates will not increase. I drive older vehicles, and full coverage isn't feasable, so, I have liability and comprehensive on them. Several years ago, one of my trucks burned, and I was comphensated very fairly for it. If I had had only liability, well, I'd been walking. Please check it out if you are used to paying for only liability. I don't think comprehensive will pay if the other person just didn't have insurance, but, it will pay you if an "act of GOd" has happened, something unavoidable, like fire, and accidents not involving other vehicles.
billlyh

In the state of Kentucky they have "no fault" insurance which is mandatory even on only liability....so you're covered in the event someone else causes the accident. However, after your car is fixed and there is no other insurance company to collect off, then your insurance will go up to pay for the claim. There is also "uninsured/under insured" riders. Check with your insurance company and state Dept of Insurance.
54 people found this useful

If you have liability insurance only in a no-fault state and you were rear-ended and vehicle totaled who pays for the replacement or repair of the vehicle?

%FOLLOWUPS% Michigan's no fault law is really a pain. If you only had liability insurance, even if you weren't at fault, you're responsible for the damages to your vehicle. If

If you were in an accident but your insurance lapsed how do you get your vehicle repaired?

%DETAILS% You can start by asking politely, but when that doesn't work you can contact an attorney. Find one who will work on a contingency fee (you only pay him if you collec

If you only have liability and your car is totaled in an accident will your insurance pay for it?

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 dama

If you have pl pd insurance coverage and are involved in an accident that is not your fault does the other company have to pay for your vehicle repairs?

\n. \n Answer \n. \n. \ni think you have liabilty insurance. this covers damage to other peoples property & other peoples personal injury. it does not cover you in any

What is the insurance company responsibility to help you when you have an accident and its not your fault and you only have liability?

A liability insurer has two primary duties to an insured who has been sued: (1) a duty to defend; and (2) a duty to indemnify. The duty to defend means that the insurer is

Can an insurance company claim damages from a person who was involved in an accident with the insured after his vehicle is repaired by the insurance company?

Yes; the process is called subrogation. The insurer that paid for the repair of its's insured's vehicle succeeds to the right of action against the at-fault party for the purp