Does insurance cover a car totaled in a wreck involving a DWI?
If you had collision insurance on the car at the time of the accident that should cover the value of the vehicle. Even if you were drunk you were still at fault and probably didn't crash your car on purpose.
There are many insurance companies which provide coverage on wrecked vehicles. Typically, these vehicles will need to be fully insurance. Liability insurance does not cover a wreck. Geico, Progressive, Allstate, and State Farm all have policies which cover a vehicle in case of a wreck.
It does cover your liability for property damage and medical expenses if you were at fault. If you have collision insurance, your vehicle will also be covered.
depends on your insurance plan, call your adjuster.
Gap insurance does not cover repossession anything. It only covers if you wreck the car and owe more than it is worth.
If the vehicle has insurance it will cover damage to the other vehicle but not the one you are driving. Now if you have insurance on another vehicle your insurance will cover the damage to the vehicle that you where driving even though it is not on your policy.
If you get into a wreck and you were the one in fault and the other person does not have insurance what will happen to them and will your insurance cover it?
Every state is different. Where I live, if you are the responsible party in the wreck then your insurance has to repair the vehicle that you hit. You will be responsible for paying your deductible to have your vehicle fixed. Also the driver without insurance will be ticketed by the authorities if they are present.
They may not if there is a clause in the insurance agreement that the insurance will not be paid out in the event that an unlicensed driver is in control
If your license is suspended in the state of Florida but not suspended in the state of Mississippi and you have a wreck will your insurance still cover you?
Are you planning to have a wreck or did you already have one? Call and ask your agent or claims agent.
Once your car has been deemed a total loss is it true you should drop collision coverage from your insurance policy as it can not be claimed as totaled ever again?
If the damage to a vehicle will cost more to repair than the value of the vehicle before the accident, an insurance company will "total" the vehicle. That means they will pay you what the car was worth before the wreck. At that point the insurance company owns the wreck, not you. You have nothing left to insure, therefore.
Depends. If you are at fault, the other insurance company has to cover property loss. Personal property loss is most likely an option (not basic coverage) on your policy.
Nothing for the car. Insurance companies pay out the total amount on the first wreck and expect the car to be in the scrap yard, if it is not, it is still worth nothing to them.
You sustained injuries while driving a friends car does their insurance cover your pain and suffering?
Whether the drivers injures are covered under the insurance depends on the type of insurance carried. It also depends on if the wreck was their fault or not.
If you have Physical Damage on the vehicle you can only get the Blue Book value for any completely totaled vehicle. This is also regardless of any loan that may be outstanding for the vehicle. GAP insurance would covere the difference.
Will your car insurance cover if you have a wreck on company time and you are not driving one of their cars?
Check your policy, it may have a clause that says it does not cover the vehicle when it is being used for commercial/business purposes.
If you wrecked it, you will be held responsible for it. And the owner could sue. If they gave you permission, their insurance would probably cover it, but the insurance company might come after you. And the owner would certainly want you to cover their deductable.
It should. If the "at fault" vehicle is insured, it's supposed to cover the victim's vehicle 100%. If the "at fault" vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount. Note that the drunk driver will loose his insurance and be required to get the VERY expensive DUI "insurance endorsment" since he/she is now in the highest risk bracket. BTW, when a drunk… Read More
Basically you just sell it as-is with a salvage title. You can sell private party or to a junk yard as any older car is more valuable parted out (granted was taken care of prior to the wreck).
Under most policies, the car owner's insurance will cover you and the damage done to the vechicle. If the fault was yours, their insurance company may request that your insurance pays for some of the damage, or that you pay for the person's deductible.
Can a minor buy a car from a private seller that has mechanicl problems get there money back after the car is totaled?
If you had not wrecked the car the answer would be yes. But you totaled the car so that makes it more complicated. If the mechanical problem caused the wreck you may have a case. If you are just trying to get your money back because you totaled the car then you have no morals and character. On the other hand if the mechanical problem caused the wreck then seek the advice of a lawyer.
As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.
If you wreck your car, then it is usually the insurance that pays for you ;)
It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your… Read More
If the DUI was the cause of the wreck, probably not. You will need to check your policy to see what it says, since there are many options for insurance.
It depends on the type of insurance coverage. If it was Liability insurance only, and she caused the wreck, then it is not covered. If it was Collision coverage, and she caused the wreck, then it would be covered. If she didn't cause the wreck, I'd check with the insurance company of the person who did cause it.
If you are a passenger in a one car wreck and the driver is not a designated driver who will pay for your medical bills?
The at fault drivers auto insurance policy would pay for medical bills up to the policy limits for which that insured driver is liable. If there is no insurance then there is no coverage. If no one has Auto Insurance to cover you, hopefully you have a major Medical Insurance Policy in place. Major medical will cover your medical expenses even from a car accident.
Generally yes, you are covered for any car you are legally driving. The one exception that comes to mind is if you steal a car and wreck it.
If you had permission to drive a friend's car and had a wreck can the friend sue you even though the friend's insurance should cover the damage?
Yes. The person is entitled to collect the insurance deductible and any other damages that were incurred due to the fault of the driver of the vehicle.
It depends on the insurance coverage, and what caused the wreck. But allowing the coverage covers the incedent the insurance company will pay the VALUE DETERMINED BY THE INSURANCE COMPANY. Not what you think it was worth. I have about $40,000 in a car the insurance comapny will pay $3,000 for if it gets wrecked.
Maybe. If the primary owner doesn't have the money to cover the accident costs it is possible they could go after the co-signer.
In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses. http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html
because if you get in a wreck...your insurance has to pay for it and you have to pay alittle money to help them pay gor your accident. because if you get in a wreck...your insurance has to pay for it and you have to pay alittle money to help them pay gor your accident.
If you got into wreck WITHOUT an Insurance. This is going happen to you is going face in court for No Insurance your car. there some State have Stictly law about without no insurance can cause your Insurance go Higher. best is get insurance on your car with fully coverly. that will save your neck from court.
Most likely it is an electrical problem, unless you have a cut fuel line.
Drivers are required to have insurance. If you wreck your vehicle, the insurance company will pay for it. If you are driving without insurance in a vehicle that is not paid for, you still are obligated to repay the money you borrowed to buy the car. It is not the bank's fault that you wrecked the vehicle.
How much would you get back from a 2003 limited edition Toyota Highlander that was totaled in a wreck?
Impossible question to answer. How badly was it "totaled? What parts are salvageable? Where is it? How far would it have to be towed or trucked? Suggest that you call around to several auto salvage businesses listed in your Yellow Pages.
In some cases, insurance companies will not pay off unless there has been a police report files. Yes, you should always file a police report so when you call to file an auto claim with your insurance, they will cover the deductable.
They wouldn't know someone was driving your car without a license so it would go up. However, if they have a wreck in your car the insurance company will most likely not cover the accident because the person didn't have a license.
Yes it will.
yes you can but if you wreck and they have insurance their car will be ok but your screwed
The answer depends on the type of auto insurance policy you purchased and your state laws. Not all auto insurance policies are equal. Most standard auto insurance policies will cover any driver that fits the definition of a "covered driver" under the terms of your policy. Nonstandard or limited policies such as Operators or Named Driver policies although a cheaper option if price was an issue when you purchased your coverage, often do not cover… Read More
Boat Insurance can cover: The agreed value of your boat, The motor and hull Personal Property (cellphones, TVs, etc) Protection against uninsured boaters Tow Coverage Wreck removal/salvage The Trailer Personal Injury (yourself and those on board) General Liability Weather Damage Spill Coverage communication devices docking fenders Be sure to talk to a boat insurance specialist to figure out exactly what you need.
Insurance and Suspended Licenses Yes, If you auto insurance policy was active and in force at the time of your accident then they will cover the losses to the extent and limits of your policy coverage. Bare in mind taht if the Insurance company was not previously aware of your license suspension and depending on the reason they may decide to cancel your policy. Answer Typically, no. One of the conditions of coverage generally is… Read More
Because if you are dumb enough to have a house without insurance, the only one who loses money if anything happens will be you - if you don't have automobile insurance and you wreck, you might hurt someone else or wreck their car, too, so you have to be insured so that they get paid.
You got in a wreck and you are not at fault but you have no insurance Can you still file a claim against his insurance?
Of course you can. You will want a lawyer, however.
How can you have GAP insurance on an uninsured car? You have to have a basic policy to add this. actually the terms of my GAP insurance stipulate coverage of a total loss even without primary coverage. that surprised me, but it states "if there is no primary insurance at the time of loss, actual cash value shall mean the retail value of the vehicle...". this raises some interesting issues about not carrying collision, but… Read More
By paying for it out of your own pocket.
you get money
hopefully, you go to jail
When car insurance expires the car and passengers are not longer covered so when a wreck occurs there will be no help with paying medical bills or to fix the cars involved in the wreck. May be subject to a fine if not insured.
If you purchased the rental company's insurance option then the rental company's insurance is responsible. If you did not purchase the insurance option, then YOUR insurance is responsible.