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If you don't have PIP on your auto insurance and you are at fault will your health insurance cover your medical costs?
Answer Yes, if you provide them with proof of non coverage.
Answer If you have Personal Injury Protection coverage on your policy and you are injured after striking an animal it should apply to your injuries. You mu…st have "Other than Collision coverage" for the damage to your vehicle.
Answer In Minnesota they are not and so I am sure other no-fault states are similar. However, the motorcyclist can make a claim for personal injuries against th…e at-fault party, if there is one.
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the owner of that car and is not on that car's insurance policy?
Answer Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers "you" from any financial loses. So in retrospect… you wont have to pay the damages you caused to the other veichle. Concerning the party that is not the owner nor on the car owners policy, the car owner's auto policy covers the car and any lawful driver aslong as their were no "misrepresentation" on the insurance application/contract. By misrepresentation I mean, at the moment the car owner signed the application and contract he was to state any material facts that could change the underwriting decision such as premiums. For example, if the car owner has a son who will also drive the car, the car owner is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a "undisclosed driver" was operating the veichle the insurance has 2 options. 1. He can Void the policy/contract and not cover the auto owner. or 2. He can cover the auto owner and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car. *Note" In rare cases, an insurance company will cover the "undisclosed driver" aslong as the difference in the premium is paid.
which insurance company yours or 'at fault' car? The 'at fault' party's company (assuming they have accepted full liablity)should cover: 1) the damage caused by the accident t…o your vehicle. or the actual cash value of the vehicle should it be deemed a total loss, and any sales tax, licensing fees etc (total loss) 2) a rental car while yours is either deemed non-driveable and/or under repair, and for an additional 72 hours AFTER an OFFER of settlement has been made on a total loss (please note OFFER doesn't mean you agree with the amount) 3) any medical treatment you or your passengers received and an injury settlement for these injuries. due to the accident. 4) loss of wages, if there is an injury and time missed from work (by doctors orders only that you have to stay off work-not if you just don't go to work because you want to get this taken care of, and no injury, this is under injury only) some states have P.I.P. which works differently on the injury, you have to reach a thresold to be entitled to an injury settlement......... Answer Depends, in ontarioyou go to ur own insurance company for any fixes...a nd then your insurance company on ur behalf will get the money back from the other ppl involved.
Answer . Cover what? If you mean the damages to each others vehicles it will depend on the liability statute of your state, please clarify your question.
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 pr…operty damage, up to the limit specified in the policy, regardless of who caused the accident. Because No-Fault insurance varies by state, ask your claim representative if this applies to your situation.Ref: Allstate @ http://www.allstate.com/claims/auto-insurance-faqs.aspx
Yes, If you have proper auto insurance and the policy is in an "Active" status, Then it will be covered even if the vehicle regisration is expired.
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 are at fault in an auto accident and the persons hospital are more than your auto insurance covers?
You are responsible for any cost that exceed your policy limit. If this is the case, they can take you to court. Depending on the state you live in, wage garnishment is …a definite possibility. In certain state, they can make you sell your home to use the asset to pay someone's medical bill in such instance. Do yourself a favor and get an umbrella liability policy. Such a policy will coverage any shortage on your auto insurance in increments of $1 million dollars. Contrary to belief, they are rather inexpensive. Typically costing only a hundred and fifty or so a year...
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 will…cover your own vehicle. One can not be liable to ones self. If you have "liability only" coverage, then their is no coveragefor your own vehicle if you were at fault.
Assuming that the at-fault driver maintained it at the time of the collision, his/her auto liability coverage would be triggered.
Their own insurance would cover it if they had collision insurance.
In NY it is any driver that is driving the car with the owner's permission.
Will your comprehensive auto insurance cover your car if you were not at fault in the accident but other drivers insurance denies claim?
Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
depends what you mean, insurance will pay for a fire from an faulty electrical system, the insurance company will not pay for the faulty product itself only the resulting dama…ge.
If you have full Coverage Auto Insurance, Then the Comprehensive and Collision portions of your coverage would pay for damages to your own car. If you just have liability i…nsurance only. Then you just have coverage for the other car and there is no coverage for your own vehicle.