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 driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
Its your fault
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
There is no deductible for liability claims.
If the accident is your fault, your insurance company is not going to pay out anything. If it is the other person's fault, the other insurance company will be liable.
Full coverage auto insurance covers everything. If the car is totaled they will will replace it. Liability auto insurance will only cover medical bills, and not the car if it is totaled.
That insurance will probably cover the BANKS interest in the vehicle and any liability that may be assigned to it, but little or nothing for you.
The other parties liability should if it was their fault. Your liability should cover the vehicle you damaged.
Repair it make a planter out of it sell it for scrap Without collision insurance you are out of luck unless the accident was the other guys fault, in which case his insurance will pay you for the value of your car and collect the remains.
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
If you caused the accident and you totaled your car and you only have liability insurance, your insurance company does not do anything to your car. The car was taken away by the tow truck driver. You may pay to haul it somewhere to be repaired or you may sell it to a junk yard. If the other driver caused the accident, then his insurance company buys your car. It still goes to a junk yard to be recycled. That way, however, you will get some money. Either way, you are entitled to get your personal stuff out of the car.
most time if the car was in an accident and is totaled you will have to by it back from your insurance company
Either the cars owner or the insurance company who paid for the totaled vehicle
The very first thing you do is report it to the police. Whether the car is "totaled" or not (a decision typically made by insurance adjusters), a police report is required for any automobile accident.
Hi, It depends on what type of insurance you had. Liability, full coverage...etc...Call your insurance company and find out.
If the person who hit you is the one at fault in the accident, then their insurance should cover the cost of the damages to your truck. If they don't have insurance, or if they don't have enough to cover all of the costs, then yours should kick in and cover the balance if you have full coverage and not just liability insurance.
If the accident was your fault you're out of luck. If you were hit by someone, their insurance will total your car and pay you for its actual cash value.
If you want to keep a totaled car, the insurance company will determine the salvage value and deduct that from your settlement check. You can still get liability insurance (if there are no safety issues related to the damage), but not collision or comprehensive unless you have the repairs made.
if there is insurance it should pay for the loss
Gap insurance only pays if the vehicle is totaled in an accident or stolen and not recovered. It does not cover the deficiency balance after a repossession sale.
Your insurance may go up it may not, also sue for allot of money!!!
If the driver was uninsured or only had liability insurance, they would be liable to still pay the finance company back or face a lawsuit.
If you were insured at the time of the accident, your insurance should pay up to the amount stated on your policy. It does not matter if you still have the insurance now. It is important that you had it on the daye of the accident.
no you won`t get it. You require both car insurance and it must be registered on your name.