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?
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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 short 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.
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 cove…rage 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!
What should a person do if they were the 'at fault' driver in an accident and their insurance had been cancelled and they are now responsible for paying 6000 dollars in damages?
The moral answer would be for him to pay for the damages that he caused.
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 c…laims the increase will be determined by your insurer and no one else can give you a definite answer. Or how much will it PAY? 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.
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.
Insurance Claims and Rental Cars "No", The insurer is not responsible for securing you a rental car, although they may owe you compensation for the costs. Some may assist yo…u in making arrangements or locating a a rental car agency for you as a courtesy. The Rental car company makes its own policies as to whom they will rent a vehicle and whom they will not. The insured can not compel a rental car company to provide you a rental vehicle. You will have to qualify for the rental car yourself. The at fault party insurer can be required to "Reimburse" you for certain expenses incurred due to a loss of use of your vehicle, but "NO", they don't have to rent a car for you. It may, however, do so as a matter of good business and to engender good will. The question also calls into play the elements of damages to which you may be entitled as a victim of someone else's negligence. If your car was rendered damaged so as to have lost the use of it (either permanently or while undergoing repair), "loss of use" damages are part of your recoverable damages. That is, you ordinarily have a claim against the adverse party not just for the repair cost of your car, but also for the loss of use of it. In many states, that element of damages is recoverable whether or not you actually rent a temporary substitute vehicle. If your car was rendered a "total loss" as a result of a collision that was not your fault, you are likewise entitled to "loss of use" damages, and they can be measured by the reasonable cost to rent a like kind and quality aitomobile. However, in the case of a total loss, your right to loss of use damages (for example, a rental vehicle) may terminate when the adverse party, or his/her insurer pays you the actual cash value of your car (because you are thereby deemed to have been made whole).
If you are driving without insurance and are involved in an accident that is not your fault who is responsible for damages to your car What legal consequences are involved for the uninsured driver?
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his …insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concern…ing who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.
Your son who has a car and his own car insurance used your car for the weekend he was in a accident the fault so far lies with the other driver whose insurance is responsible for the damages to your c?
The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.
What happens if you have auto insurance but no drivers licnese and you get into an accident that is not your fault will the person at fault insurance still take care of the damages to your car?
You get a ticket and your insurance goes up. You can not drive without a license and if you cost the insurance company money they raise your premiums especially if you get a t…icket
As far as I know, if you don't have insurance, you ARE at fault. That's how it is everywhere I've heard of, but I don't know about Michigan. Good Luck!
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 …obliged, at its own expense, to hire counsel to defend the insured provided that the allegations of the lawsuit come within the ambit of the coverage of the policy. That is, for example, the liability coverage of a homeowner's policy will not be triggered to defend you if you are sued for an automobile collision. If you have not yet been sued, but a claim has been asserted (such as by a demand letter from the aggrieved party), the liability insurer is obliged to investigate the facts of the claim. Most personal liability policies give the insurer the right to settle claims without the consent of the insured, so it may also make a payment to the claimant. The correlative obligation of the insured is to timely notify the insured of all claims made against him/her/it, forward suit papers, and cooperate with both the insurer and the attorney hired to defend the suit. The cooperation includes meeting with the attorney as needed, responding to requests, attending depositions, attending trial, and other activities. The second main obligation of a liability insurer is to indemnify the insured, meaning, to protect him/her/it from financial loss. This involves paying damages for which the insured may be found legally liable (within policy limits). Again, the insurer usually has the right to settle claims when it deems it in its and the insured's best interests to do so. Indeed, the insurer has a specific duty to settle claims within policy limits when it is possible to do so (that is, when the claimant will accept that amount of money in return for a release of the insured of further liability).
What steps do I take to recover the damages after an accident when it was not my fault and the at fault driver does not have insurance?
You should contact a lawyer and press charges in a civil court. Depending on the damages, you could possibly settle in small claims without the need for an attorney. Make sure… you obtain a copy of the police report.
In Auto Insurance
In Auto Insurance
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Probably not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, th…en you can be issued a ticket. However, if the accident was not your daughter's fault, then the at fault party is responsible for the damage they caused to your vehicle, regardless if the other party was licensed or not.
In Auto Insurance Claims
Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
The real answer is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what's being insured is the car ,not th…e driver . If you give permission to someone to driveyour car and they get in an accident and it's their fault, usuallyyour insurance company is going to be primarily liable for thedamages. Your insurance company will probably pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn't explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you're probablygoing to be asked to throw them under the bus and testify that they stole your car. One complicating factor is that while what's insured is the car,the rates are set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers' records (highercollision rates). If there's a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company "Oh, no, he's not going to drive this car, he's going to drive a different car insured by some otherinsurer, so you don't have to worry about his driving record." If you live in a state that allows you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be allowed to say "Hey, you said CrashBandicoot here was not going to be driving yourcar, and lo and behold, he did drive your car, liar liarpants on fire, you pay for this, buddy." They maynot be allowed to wriggle off the hook entirely, but they probablywill at least be allowed to use drastically reduced coverageamounts, leaving a large bill for you to deal with. Crash'sinsurance (if he has any) may, or may not, kick in.