Can you go after the auto insurance co of your employer if your involved in an auto accident in your work vehicle and it was your fault?
Yes. If it's a company car and is insured through your employer, the employer's insurance company would pay out the claim. The accident would still show up on your record though.
Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?
If the car that was involved, in an acident was insured yea!
If an employee was involved in an accident in his own vehicle while on company business who is liable employee or employer?
Employer & employee
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
Collision insurance pays for damage that happens to your vehicle in an accident if it is your fault. It does not pay for the other vehicle or property involved in an accident. It is not required by law but it is highly recommend especially if you financed the vehicle and are still paying off the loan.
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?
Various state laws may limit what type of damages you can collect. Also, when you do start to shop for a policy your rates will be higher. In a no-fault state, each driver must seek compensation from their own insurer and your ability to sue for damages is limited.
Will my car insurance be affected if I am a named driver on someone else's insurance and they need to claim their insurance?
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
Vehicle insurance is one of the most important things a driver can buy. Without insurance, some drivers involved in an accident can be stuck with hundreds of thousands of dollars worth of damages that they have to pay.
That is the part of your insurance that pays for damage to your vehicle, when you are at fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.
If a vehicle that has been stolen is involved in a car accident and is at fault whose insurance will cover the damage to the second vehicle?
The second vehicle will be covered by it's own insurance. That company will then attempt to sue the driver to recoup it's losses
How can you get name of insurance company for Georgia licensed commercial vehicle involved in accident?
Ask the driver or owner of the vehicle. They are required to give you (and the police) that information at the time of the accident. Answer On an accident report, the police officer lists the insurance information. Contact the police department who responded to the scene to determine how to obtain a copy of the report.
What if someone holding motor trade insurance gets involved in an accident on car not owned by them?
If someone owns a motor trade insurance policy and gets involved in an accident on vehicle not owned by them, if its their fault, they go through their own insurance and car owners insurance doesn't get involved. If its not their fault, they claim against third party insurers. Most of the time the vehicle repair cost gets given to the car owner but if motor trade insurance holder has bought the vehicle but hasn't transferred… Read More
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay first, and if that insurance is not enough (or is not there) then your insurance will kick in… Read More
Which insurance would be liable if our 16 year old son was involved in an accident driving someone elses auto with their permission ours or the owners?
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
Does the insurance company have to pay for a rental vehicle for a client until their vehicle is fixed if they have full coverage insurance?
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
If you and your vehicle are in an accident, be sure to exchange phone numbers and addresses, as well as insurance, with the other party involved in the accident. Also, be sure that the police are notified of the accident.
yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.
Yes,, You may be subject to arrest if you are operating an uninsured vehicle while involved in a traffic accident. This is often at the discretion of the responding officer.
It can take up to six months or longer if there where injuries involved.
When a vehicle is involved in an accident and declared a total loss does the insurance get to keep it?
Yes. In most states, you can then buy the car back from them at a salvaged price.
Is your insurance provider notified and will your insurance cover the damages when an unlicensed driver takes your vehicle without permission and is involved in an accident?
The answer should be yes to both parts of the question. You should notify them.
NO, that's what the vehicle insurance is for.
As the registered owner of a vehicle with insurance what happens if your son is involved in an accident with your vehicle if he lives with his mother and is listed on her policy?
I am an Insurance Broker - dependant upon where you live, your son's accident will be covered, either by your policy (considering you have adequate coverage, or his mother's, considering her coverage) Here in Canada, no-fault allows our own insurer to cover the vehicle, no matter the driver.
If you drive a motor vehicle without insurance and you are involved in a major accident where you are at fault, you could be sued for several million dollars if other parties in the accident are badly injured or killed. It's just not worth the risk.
What happens if both drivers involved in an accident have no insurance and no police report was filed?
If both drivers have no insurance and do not file a police report, each driver is responsible for repairing the damage to his/her own vehicle.
If you were involved in an accident and did not have full coverage but the bank had put forced insurance on the loan will that insurance cover the totaled car?
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.
In Louisiana, state law requires all drivers to have insurance. To drive, a person must have insurance in case they are in an accident, so the parties involved can be taken care of.
What happens if a fully insured driver admits fault for hitting a parked vehicle but the other driver involved in the accident had no license insurance or registration?
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
The purpose of insuring a vehicle is to protect yourself incase of any accident you may be involved in. Having insurance will protect you in the long run and stop you having to fork out a substantial amount of money in bills and repairs. Also having insurance will protect you if your vehicle is stolen.
If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle?
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.
In Florida If you were in an accident and was excluded from driving the car and it was not your fault can the insurance co make the owner of the car pay for the damages on the other car?
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance… Read More
If one has been involved in a bad car crash then they should contact the police and ambulance service as required. One must then contact their insurance company to let them know that their vehicle has been involved in an accident. The insurance company may then liaise with the police and get everything sorted for one's vehicle to be fixed or replaced.
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary… Read More
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
Does liability coverage cover passenjures injured in your car during and accident in which your car is the only one reported damagesd?
If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK - the answer to this is "yes". The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury even when only one vehicle is involved in an accident. See the related link entitled "accident car insurance"… Read More
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.
If you have an accident with your husband's vehicle which has only PLPD insurance can he make a claim against the full coverage on your vehicle?
No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.
If a friend drove your vehicle when there was no insurance and was involved in an accident who is liable for the cost to replace the car?
There is more than one answer to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not… Read More
If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be additional criminal penalties including fines and jail time.
Who pays when there is an accident involving a vehicle that is insured by someone other than the owner of the vehicle?
Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care of the damages.
If you are driving personal vehicle for work purposes and had a car accident and you were at fault is the employer responsible for repair of damages to the vehicle?
No. If it was your own vehicle and you caused the accident then it is entirely your responsibility that the damage was caused and that you get it fixed.
That shouldn't keep you from getting auto insurance as long as she is not listed as a designated driver of your vehicle. If your uninsured wife should drive and be involved in an accident with another driver, your insurance will not pay.
If the custodial parent cancelled a minor from his insurance policy can the noncustodial parent be liable if the child gets into a wreck in a vehicle licensed to the noncustodial parent?
If the vehicle belongs to the non-custodial parent and it was the vehicle involved in the accident, then the non-custodial parent's insurance will have to cover the damages and is completely liable for anything that happens with his/her car.
If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
It's up to you. In some ways it would be a good thing in case the person is involved in an accident. On the other hand, it may cost you a friend. MyInsuranceXpert
Is it legal for your employer to make you stay clocked out when you have to get into his company vehicle to travel to a job site If there were an accident how would it be covered?
Federal Portal-to-Portal Act says that the commute from home to assigned work site is unpaid. If injured in employer vehicle, the employer's auto insurance applied, NOT workers comp - commuting employees are not in the course and scope of employment.
Can the driver file a med pay claim on another vehicle in her household other than the vehicle involved in the accident?
No. A bodily injury claim is taken by the insurance agent over the phone. Insurance companies ask the questions and you have to answer truthfully all the facts of the case. You can't include vehicles, names, or other unrelated entities in your claim. Fast money is no answer to resolving a car accident.
Then the people will be charged with insurance fraud.