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If you have PLPD or no fault insurance and you hit someone from behind and their car is fine and yours is not will your car insurance cover it?

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Wiki User
2015-07-15 19:32:59
2015-07-15 19:32:59

No. PL & PD cover injury and damage you do to other persons and their property. Collision and Comprehensive cover your vehicle.

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Their own insurance would cover it if they had collision insurance.

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It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.

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== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.

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If the person who hit you is the one at fault in the accident, then their insurance should cover the cost of the damages to your truck. If they don't have insurance, or if they don't have enough to cover all of the costs, then yours should kick in and cover the balance if you have full coverage and not just liability insurance.

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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.

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The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.

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If the other party was clearly at fault in hitting your vehicle then their insurance will pay for the damage to your vehicle. The key is that it is their fault. The way you word the question you don't state that they were at fault but that they hit your car. If it is determined that they were at fault then their insurance pays, if you were at fault then your insurance pays.

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If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).

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Well Someone will sue you and the insurance will do something about it!

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Whether or not either of you have insurance has nothing to do with determining fault. One of you is at-fault and it is the responsibility of the at-fault party to pay for the damage they caused. Regardless if you are insured or not, if you are not at-fault in an accident you should retain an attorney and sue the at-fault party.

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If you hit someone from behind it is automatically your fault.


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