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Can you still collect a release from an insurance company after you have won or lost a civil suit against the other party involved in an accident?
Wiki User
∙ 7y ago
What kind of release are you talking about? If you file a claim with your insurance company for Uninsured Motorists Coverage, you are awarding the company with the rights of subrogation. This means that you are giving them your right to sue the other party. If you did not have UM coverage and sued the other party on your own. In both of these cases you are not dealing with the insurance company directly, except if they call you to testify in their subrogation case against the other party.
Wiki User
∙ 7y ago
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You are in a single car accident as a passenger the car involved is underinsured can you collect on your underinsured even though you were not driving and the vehicle is not listed on your policy?
no. you can not collect on something that you are not paying for. However... you can sue the driver, if this is what you want to do, call you insurance company and let them handle it. If you do not have an insurance company, call an attorney.
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Can you collect claims from your insurance and the other person?
if your accident is severe enough and the other person is underinsured - then you could collect from their insurance (must be their policy limits) and your insurance under the "underinsured coverage" or UIM - Underinsured motorist
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?
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
In Missouri if I dont have insurance and was hit in a car accident from behind by someone that does have insurance and I am injured badly can I file a claim for medical bills and pain and suffering?
I cannot speak directly to Missouri law as I am not located there nor familiar. However, in every state I know of, your not having the legally required insurance would not relinquish your rights to collect for actual damages involved in an accident from the party who was at fault. You will still have to deal with the fines and such for not having your insurance but that is minor, when compared to your losses.
When you are at fault in an accident and the underinsured coverage for the other driver will likely be used can his insurance company collect from you?
In most cases, yes.
Can i collect on both sides my insurance and the faulted drivers insurance i have a lien holder on my car a?
No, you can't. When you collect from your insurance company, they will pursue the other driver's insurance because the accident wasn't your fault. When your insurance company finds out that you collected from the other insurance company already, they will come after you. It's called double-dipping and it most likely wouldn't end well.
How long does a auto insurance have to file a law suit against you for an accident you did not have auto insurance?
Laws vary by state but I can tell you for the state of California you have up to 3 years from the date of the accident to attempt to collect money from the responsible party (ex: filing suit against someone). Now just so you know, if it was confirmed you were not insured on the date of loss, most major companies will just send the file to a collections company to go after you for the money.
Can you have two car insurance companys in different states?
Why would you want to have such? It is illegal to collect twice on an auto accident. Your insurance is based on where you live and I think that would be in one state.
If your auto is hit the other driver's auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
Can you collect pain suffering if rear ended but both have the same insurance carrier?
You can collect pain and suffering compensation regardless of which insurance carriers are involved, or if no insurance company is involved. The insurance carrier treats each policy individually and won't punish you because you carry the same policy as the other party involved. However, being awarded pain and suffering is much more difficult than many people realize. This is, by far, one of the most frequented areas of the law for people "trying to make a buck" and the courts are aware of this. You'd have to show sustained and verifiable evidence that you suffered trauma in excess of what normally be expected by an average rear-end accident. Also, to collect award, the pain and suffering must be a permanent physical or psychological impairment....
If you have Term Life Insurance do you need to purchase Personal Accident Insurance as well?
I like the following answer. Check with your state insurance commissioner and get the brochure. Read about the exclusions. At last count, it was at 15. I always advise: stay away from accidental death. Too many variables. Too many chances for the insurance company to not pay, and too few for the survivor to collect.-------------------------No. In fact there have been studies that clearly show accidental death insurance is nothing more than a profit maker for the insurance companies that sell it. Very few people die in an accident. If you need insurance buy insurance, but don't ever count on accident insurance to meet your familes insurance needs.AnswerTerm Life insurance is usually low cost and therefore does not include coverage against personal accident insurance. You will need to purchase Personal Accident Insurance separately. Certain whole life policies may ride personal accident insurance. You would need to shop around for free riders like this. Make use online insurance companies who can easily help you search for these.
