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What happens if you only have liability insurance and an uninsured motorist hits your car when its parked?
Wiki User
∙ 13y ago
Liability insurance protects you only from a claim for damages by another party if you were At Fault for a collision; it does not pay to repair your own car.
Therefore, if the other party was not insured, you must pay for the repairs to your car yourself. Whether or not you do will depend upon whether the cost of repair is commensurate with the value of the car. That is, if the cost of repair is substantially more than the value, it may not make business sense to do the repairs.
You are also free to file a civil lawsuit against the at-fault party to recover the cost of repairs. In making the decision as to whether or not to do so, you will need to evaluate if the other party has the means to pay any judgment entered against him/her. If the ability to pay is questionable, you will want to consider compromising for a lower amount, or accepting payments over a period of time.
Wiki User
∙ 13y ago
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What happens when you have a car accident with a driver that has no vehicle insurance?
I hope you had insurance for this. The uninsured motorist will probably be broke
What happens if you are hit by an uninsured teen driver and they are found to be at fault?
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
What happens if you get hit by a car who isn't insured and you only have liability?
Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property damage coverage on your policy. They only way you can recover is to take the person to court and get a judgement.
What happens in a hit and run and you have uninsured motorist in your liability insurance?
Liability only protects you from claims, UM is almost always only for injuries only. If they caused the damage, you have to track them down and make a claim against their insurance if they have any and you can find them. Check with your agent, we can only provide general answers that apply to most people in most states.
Why get uninsured motorist insurance?
Because there are many people who are driving without insurance coverage in our nation. Far more than you realize. It is a stupid and reckless crime but it happens all the time. If you do not have uninsured motorist coverage you will be on your own to try and collect your damages from someone who has chosen not to pay for legally required insurance. How well do you think you will do on collecting from this type of person. Plus the insurance company pays for the legal fees involved in getting judgements and collection.
What happens if you are hit by an uninsured person?
If you have "Uninsured motorist" on you policy, that should cover it. It should be as much as you are allowed to have because these liberal courts will not punish any one for not having insurance. If you try and sue them, good luck, same court system
What happens when one of the involved parties does not have auto insurance at time of the accident?
Assuming in this instance the uninsured driver is the one at fault, he or she is still liable for any property damage & personal injuries that may have resulted from the accident. The injured party will make a claim against his or her uninsured motorist policy. But that insurance company can, and often will, sue the uninsured driver.
What happens if you are in a fender bender with no car insurance in the state of mn?
You will receive a no insurance violation (major offense), and be liable for damages. If you are hit by a vehicle with no insurance, your insurance will cover the property damage (subject to the deductible) and injuries may draw from the Uninsured Motorist coverage on your policy.
What happens if you have car insurance but the person that hits you does not?
You can sue them in small claims court for your deserved money as long as you have proof of the damage. If you have Uninsured Motorist coverage, it will pay for the damage, minus any deductible.
What happens if you let a friend borrow your car that is uninsured but the friend has non-owners insurance and he gets into an accident that wasn't his fault?
almost all states require liability insurance. the fact that the friend had 'non owner' does not mean that it was ok to drive an uninsured vehicle. the law requires the vehicles, not the drivers, to be insured.
Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?
My insurance canceled uninsured person hits someone in rear what happens to me
What happens when your medical charges exceed Max of insurance 100000 plus medical?
there are 'policy limits' and the insurance company cannot pay past these limits, need more info to be of more assistance, is this an uninsured motorist claim, or a bodily injury claim, (liablity under negli.drivers policy)?
