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Can a car insurance insist on paying the value of the car rather than fix the car if the accident is not your fault?
Wiki User
∙ 15y ago
Yes, car insurance can pay the value of the car instead of fixing it. This will happen when the cost to fix it is greater than the current value. It is then not worth fixing, from a financial perspective. This is what is meant when you say that your car has been "totaled" (it was a total loss).
Wiki User
∙ 15y ago
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What happens if you have car insurance and you have an accident?
You call your insurance company and report it. if the accident is your fault, with very minor damage, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.
If you let your sister borrow your insured car and she is in an accident and charged for the accident does her insurance cover the accident or will yours?
In general, insurance follows the car rather than the driver. So, if your sister is driving your insured car and is involved in an accident, your insurance would typically be the primary coverage for the incident. However, it's important to review the specific terms and conditions of your insurance policy to confirm this.
What happens if the damage is more than the insurance limit?
the automobile is totaled which means the insurance co. will pay you the low blue book value of the car rather than paying to have it fixed.
How does car insurance work after an accident?
The way car insurance works after an accident is that a report must be made to the insurance company. They will review it and then decide what you new insurance cost will be. Answer: Accidents need to be reported to your insurance company as soon as possible whether you or someone else caused the accident. If police were called to the scene then you must obtain a copy of the police report as well to be sent to your insurance company. All of this if you plan to file the insurance claim through your or the other drivers insurance. Some have accidents but the repairs are so minor that they pay out of pocket rather than getting the insurance companies involved.
What is Time limit to report accident in PA?
Assuming only your vehicle was damaged and no one was hurt and you are asking about the time limit to report the accident to your insurance company. Then: The time limit or rather the statute of limitations in Pennsylvania to report damage to your auto in the form of a claim to your insurance company is 2 years. After that the insurance company can and will deny your claim and you will have to pay out of pocket to have it fixed.
Can a lawyer in another state speak on my behalf to insurance companies for a car accident?
Yes, they can represent you in another state. That is one advantage of using a lawyer there rather than locally.
Can you pay out of pocket instead of using health insurance?
Certainly, doctors and hospitals will be perfectly happy to be paid by you directly rather than by an insurance company; the only problem with paying out of pocket is that there may not be enough money in your pocket. But if there is, that's not a problem.
Was the wheel invented on Accident?
Your question was floored from the start due to the fact that you said "on accident" rather than "by accident".
What is double indeminity?
Double indemnity means paying twice the benefit. For example, a life insurance policy that will pay twice the death benefit for death by injury (rather than disease).
What happens when you do not pay car insurance?
Legal issues such as a minumum of $500 fine. That only goes up if your caught more than once. Possible suspension of driving. Also if your in an accident and it was your fault well that cost is out of your pocket rather than the insurance company.
What if you are not a fault for accident but get into an accident?
If you are not at fault for the accident and sustained injuries or property damage as a result, you may be compensated by the party who caused it. Also, if you have insurance, any expenses you incurred (whether for your treatment and medication as well as repairs) shall be reimbursed by your insurer. Obtain details of the other person involved - name, address and registration. Seek medical attention. Report to the police and then contact a solicitor to deal with matters rather than an insurance company.
What do you do if you get in an accident?
Obtain details of the other person involved - name, address and registration. Seek medical attention. Report to the police and then contact a solicitor to deal with matters rather than an insurance company.
