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Do you need insurance when you're in a car accident but not at fault?


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Answered 2010-03-02 01:17:34

check your state law,but if you dont have ins.you maybe found at fault. if you don't have insurance, its your fault ither way

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Why would you be the one at fault if the guy that hit you was drunk had no insurance and took off from the accident?

It does not matter if he was drunk or had no insurance. We would need the details of how the accident happened.


Why would one need car insurance?

You need car insurance to protect yourself in the case of an accident. Insurance will pay for the medical bills related to your recovery and will also protect you from being sued if you are at fault for the accident.


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.


What can you do if the person at fault in an accident claims to have no insurance?

You'll need to file an accident report, then notify your insurer of the loss occurrence. If your have collision or uninsured motorist coverage on your policy, your insurer can handle it for you. Your insurance insurance company pays you, they would then seek subrogation from the at fault driver.


What happens if the damages in an accident exceed the insurance coverage of the person at fault?

You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :


What can you do if you were ticketed in an accident and found not guilty in court but your insurance company had already paid the other driver's claim and increased your premium?

You will need to open a consumer complaint with ChoicePoint and get the accident fault indicator changed to N.A.F.(not at fault) on your CLUE report. Then notify your Insurance company after your CLUE report is corrected. Then the company will remove the premium impact of an "at fault" accident.


Will a no fault accident raise your insurance rates?

You need to check with your agent or policy services for you company. They can tell you their rules for accident/claims related rate increases.


What is the collision coverage?

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.


I have liability only and my car was totaled?

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.


Will your insurance pay if the accident is your fault and you only have uninsured motorist insurance?

If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.


If no auto insurance will medical insurance pay?

If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party's liability insurance should pay for medical injuries up to the limits on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.



Who is at fault in accident if no one was cited?

This may result in a situation where each driver will need to file a claim with their own insurance company for the damage to there vehicle and then the two insurance companies may make a decision as to who was at fault at a later date. Sometimes fault is never determined.


What insurance policies are involved when there is a car accident?

Auto insurance, and if you are hurt by the accident, then health insurance too, but you will need health insurance for the second to file a claim for injuries, and health insurance is optional. Auto insurance is required by law. If it is someone else's fault however, then they must pay for all the damage to you, your car, and themselves.


If you need a nee replacement can you use sick and accident insurance?

if i need nee replacement can i clam it on accident insurance


If your air bags blow out in an accident that is not your fault will you recover damages?

You should contact the at fault party's insurance company and let them know you have a property damage claim. You will need an accident report. Photos of the damage or an estimate for repair will also be helpful.


Do you need insurance if accident wasnt your fault?

We don't know what state you're in. Some states have laws that say you must have insurance. They will give you a citation and you'll have to pay a fine.


What does trade insurance usually cover?

It depends on what it is. Its like if you had crashed into a car and thats your fault . You will need to pay for the repair with you own insurance. All it is is if you cause an accident you need to pay with you insurance that cost of the repair so thier care is fixed.


What is no fault auto insurance?

In any state where no-fault auto insurance is required by law, you recover the cost of damage to your auto and to its occupants from your own insurance company. There is no need to prove who was at fault in the accident. For example, if two cars crash each other, each goes to its own insurance company to be reimbursed for the physical damage and medical costs which result.


If you have basic insurance someone is faulted by hitting your car what should be done?

You will need to make a report to both insurance companies. Even though you are not at fault your insurance company will still want to know. Unless the other party takes the blame right away and tells there insurance company that it was there fault then you do not need to tell your insurance. But I always recommend that you always talk to your insurance company about the accident.


In NJ how much will my auto insurance increase after an at fault accident?

You need to contact your agent of policy services dept. for your insurance company and they will be able to tell you this is company specific in most cases.


Why you need car insurance?

The reason you need car insurance is for protection for both you and other parties. Without insurance, if you were involved in an auto accident, you would have to take the responsible party to court, which cost you time and money. Insurance covers this cost, as well as it finicially protects you. if you were found at fault for an accident, and did not have insurance, you would be responsible for all the damages and medical expenses for all parties involved. This could end up costing you several thousand dollars, which most of us could not afford. Insurance covers this cost, as well as insures that if you are injuried in an accident that wasnt your fault, that you are fully compensated for your injuries


Who is at fault if there is a tire in the road and someone hits it then the tire hits you?

why does someone always need to be at fault. its just an accident, get on with life and claim it on your own insurance, instead of trying to find someone to blame


What can you do if you have liability who was hit by someone with liability insurance?

If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.


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.


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