First of all, it is important to know what state you are in, because some states will offer BOTH Collision coverage AND Uninsured Motorist coverages, but in some states, you are not able to carry BOTH. For instance, in Texas, you can carry both, in Ohio and many other states, you must carry one or the other. If it is a certainty that the At Fault driver does not have ANY insurance available to them, you will need to turn to your own coverage. If you carry UM coverages (uninsured motorist property damage/UMPD), and your carrier confirms there is no coverage on the at fault vehicle OR driver, the UMPD coverage steps in and 'acts as' the other party's Property Damage coverage. You will pay the first $200-300 of the claim (typically, $250, but varies by state. THIS IS NOT A DEDUCTIBLE. The reason it is important to note that is, a deductible (used in collision coverage) allows you to choose the AMOUNT; your premiums will be affected by the amount of your deductible. That option is NOT available under UM coverages. If you or any passengers are injured, you can also avail yourself of any UMBI coverages. Again, this steps in and handles all injury claims that may arise in YOUR vehicle, resulting from this accident. If you do NOT have UM coverages, but have collision coverage, you can use that coverage. YOUR insurance carrier will attempt to recover any monies paid out and will reimburse you any deductibles that you incurred. If you do not have EITHER of these coverages (and you SHOULD always carry one or the other or both), you can try to recover any monies YOU personally pay out in direct relation to this accident in small claims court.
In the event of an accident you would take the car to a repair shop approved by your insurance company and then they would determine whether or not your car is worth fixing or to payout the "Kelly blue book" value of your vehicle.
Here in Canada we have NO-Fault where each insurer is responsible for their own insured. In that case, the other party's carrier would repair the vehicle, and then subrogate on your company.
Damaged in what sense?
Unless you are "fixing" a faceshield or a visor, Helmets cannot be repaired. If it was in an accident, it's "used up" Buy a new one.
Yes, car insurance can pay the value of the car instead of fixing it. This will happen when the cost to fix it is greater than the current value. It is then not worth fixing, from a financial perspective. This is what is meant when you say that your car has been "totaled" (it was a total loss).
You are liable for everything. Fixing the car, paying for the car (the balance of the contract) and repo fees.
Typically a break down cover company offers to come and retrieve your vehicle or if it can be fixed at the roadside fix it and get you on your way. However a car insurance policy only covers the financial cost of fixing the car.
yes, we can fix a damaged DNA strand with the help of nucleases . There are two types of nucleases endonuclease and exonuclease .Both of them are used for fixing the damaged DNA strand
Re-fixing damaged supports of the building, or add something to it to support it.
It would be vehicle 1 because it made vehicle 2 get hit by vehicle three who had nothing to do with it
elecronics need fixing or alternator need replacing elecronics need fixing or alternator need replacing
Fixing a car with insurance money depends on a few things. If you are at fault and file an insurance claim, it is likely your premiums will be higher for the next few years. The severity of the damage may determine your decision. If it is a small issue, or one that does not affect the performance of the vehicle, it may be one that you just decide to live with. Also, if your deductible is high or the cost of the repairs is low, it may not be cost effective to use insurance money. An older model may not be monetarily worth fixing if it is a small issue either.
Its your $$$ now !!! you can do with it what you want. * If the home is not still under a mortgage contract the homeowner is not obligated to use insurance funds for repairs of the property. However, if repairs are not done the insurance provider can refuse any claim if the flooring or adjoining structure is damaged further. If the home is still mortgaged repairs must be made as the lender would have to sign the insurance check as well as the homeowner/borrower. All mortgage contracts stipulate that the property must be kept in the same or better condition as it was when the property was purchased and lending agreement made. You could BUT that would be called insurance fraud... Lis@
It varies from vehicle to vehicle, need more info like year, make, model and engine.
well it depends where u live as auto insurance differs everywhere. But here in Ontario, when a person hits you and drives off or has no insurance, it goes under your Uninsured auto mobile coverage. and it has very limited coverage for Medical bills, and fixing ur vehicle up to 25,000 if it was a person with no insurance. if its a hit and run then u have to pay the damages to your car out of pocket. or make a claim under your collision coverage.
That depends on your definition of "easier" considering the time, money, and hassle in fixing a vehicle. As well, it's always best NOT to have a claim showing on your record - your fault or not! Having said that, on the other hand, NEVER lie to your ins. company about an accident, even if you get it fixed yourself. That is grounds to drop you. I'm a broker trust me. It is wiser to contact your insurer first. It is considered material misrepresentation to avoid contacting your insurer after an accident. They will represent your claim, and if the other party is indeed at fault, your insurer will subrogate to get funds back that are paid on your behalf.
Having HMO insurance will benefit you later in life, were something to happen to you. It will cover the costs associated with fixing the problem.
A tenant! If they damaged something they don't own they are responsible for fixing it.
yes the insurance company will come after you to pay the bill they used in fixing their driver's car. the point i do not know is that, are you responsible to pay the deductible or pay the total, what are this insurance people for anyways, they only make money they do not spend money... try talk to and insurance agency and see if you are to pay a percentage of the money or all.
Yes you must report it because it is still a criminal act and that other driver will be charged not only with hit and run but fleeing the scene of an accident, so if this actually happened to you report it NOW to avoid any reason for the insurance to deny your claim.
General condition of vehicle? Can you replace vehicle for the amount of repair? Do you like vehicle?
The tenant is responsible for insuring his apartment and contents against theft. The Lease does not have to require insurance.BUTWhere I live the Landlord is responsible for fixing the door or window the burglar damaged getting in and must maintain the security of the building to a "Satisfactory" standard. Basically the door and window locks must work and the doors be of the proper type etc.
no for the sake of the kitten it would be the best solution to take it to a vet as soon as the accident happens