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If you have automobile insurance with an uninsured motorist property damage endorsement it covers damage to your car caused by an uninsured motorist. If you have collision coverage the endorsement will pay your deductible. If you don't have collision coverage the endorsement will pay for damages up to a set amount, typically $3500. Before it will pay it has to be determined that the other party was At Fault and that they have no insurance. In the case of a hit and run driver it wouldn't pay because it would not be possible to determine whether or not they had insurance.
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Does homeowners insurance cover stolen uninsured vehicle?
It depends, You do no mention what type of vehicle. Homeowners insurance polices will not cover damage or theft of a motor vehicle designed for use on public roads.
Is uninsured motor vehicle coverage recommended for every vehicle you own or just one?
My agent told me to just get it for one of the policies on eirther of my two vehicles and it would cover my whole familly no matter the vehicle.
What happens to a person at fault for a car accident with no insurance if it is not their car?
AnswerIt's possible that the car owners insurance will cover the damages, but just as likely that it won't. If it doesn't, then the driver of the car will be fully responsible for any and all damages and will probably end up being sued in court to recover the monies owed. It's for this reason that all states require drivers to have uninsured motorist coverage on their insurance.In the UK three bodies are likely to be responsible for paying compensation for damage and personal injury as a result of the accident: the driver of the vehicle, the owner of the vehicle's insurer (if that person had knowledge that the other was driving his vehicle) and the Motor Insurer's Bureau. The driver of the vehicle will also be prosecuted in criminal law for driving without valid motor vehicle insurance. For a description of motor vehicle insurance and the MIB - please see the related link.
What is a hinged cover over the engine of a motor vehicle?
hood
Does homeowner insurance cover damage to uninsured car in garage?
Sure, if the roof falls on it, or there's a fire. But it won't cover anything that happens on the road. Check in with your insurance agent. Most homeowner policies exclude damage of any kind to automobiles.
Under what circumstances would a person want comprehensive motor vehicle insurance?
Comprehensive insurance helps to pay for damages to a vehicle that were not the result of a collision. If you want insurance when a vehicle is damaged by fire or theft , then you should purchase comprehensive motor vehicle insurance.
Does homeowner insurance include damages done on a vehicle that was damaged in your yard?
No damage to motor vehicles is specifically excluded
Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?
Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other requirements as well (such as the existence of a permanent injury or significant scarring), but lack of insurance by the adverse party is the first requirement. Note also that, again depending upon state law, if you as the injured party negligently caused or contributed to the collision, your recovery may be reduced accordingly.
Can you drive an insured car without insurance?
If you are "Uninsured", then you are "uninsured. You may or may not be an insured driver on the vehicle owners policy. Just because someone else has coverage for that vehicle does not automatically mean you are a covered driver. The insured should contact the insurance company or the insurance agent to determine the status of an unscheduled driver. Some auto insurance policies will cover the occasional driver while other policies will not. All drivers of a motor vehicle on public roads are required to carry proof of financial responsibility at all times.
The Law requires owners and operators of motor vehicles to be financially responsible for damages and or injuries they may cause to others when a motor vehicle crash happens?
Financial Responsibility
What is motor policy and why should it be paid?
A motor policy is a cover that protects your motor vehicle from unforeseen events such as fire, or accidents, and helps you recover the real value of your vehicle in the event that the insured risk occurs.
What is usually covered by a comprehensive motor insurance?
Comprehensive motor insurance usually covers bodily harm or damage caused by an accident. The comprehensive insurance also cover the liability of the car damages in regards to collision coverage. When deciding on collision coverage, it is important to consider the age of the vehicle to determine if comprehensive or full coverage is needed on the vehicle or if collision insurance would be the appropriate choice.
