Usually, if the driver had the owner's permission to drive.
What happens if the car is owned by the person that has the accident but the insurance is in your name? However you no longer want to be in that relationship or to have to pay that insurance?
Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.
Uninsured motorists coverage is the coverage that is designed to cover this type of accident. Collision will also cover it if you don't have uninsured motorists coverage on your policy but you may be charged with an accident on your policy. A-Plus answer Comprehensive Coverage.
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 insurance carrier or refer to your most recent coverage letter from the company.
Liability coverage covers you if you are found liable or at fault for damages. In the case of auto insurance, for example, this coverage pays for damages you cause in an accident that is you fault. This coverage will NOT cover your car damage, however. Just the other drivers car, medical bills, & other property damage.
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 :
Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.
Full Coverage covers usually refers to having maximum liability, comprehensive and collision coverage on your policy. Maximum liability coverage covers third party injuries and damages when you are found at fault for an accident. It also gives you comprehensive and collision coverage that will cover repairs to your car if you are at fault for the accident, or something out of your control happens (vandalism, hit a deer). It is referred to as full coverage because your assets are covered as well as thrid party assets.
Liability coverage offers coverage for bodily injury and property damage to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
No. Physical Damage coverage to your own vehicle would be covered in this instance if you purchased the coverage, but liability only would not repair the damages.
Collision insurance will cover any damages to your vehicle (or refund you the value of the car in the event that it becomes totaled) in the event of an accident. Collision insurance coverage typically only applies when you are the at-fault driver in the accident. Collision coverage covers any sort of collision whether it be with another car, a pot hole, a tree, a guard rail, a ditch, etc.
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.
That depends on your insurance coverage. If you have collision coverage, your insurance will cover your damages. If do not have that coverage and don't have the other vehicle license plate, unfortunately, you're stuck with all the bills.
If the damage occurred during the accident in question, then it should.
yes the coverage is effective even though the registration is expired.
Sure. It certainly frowned upon, because often if you don't repair the damages to a vehicle, further damages can occur (frame damage, for instance, can mess up a car pretty badly if driven on for a year after the accident). Your carrier will make a note of it to their underwriting department, and depending on the seriousness of the damages or whether or not you mitigated your damages (ie, didn't incur further damages), it could affect your policy. But...at the time of the accident, if you were paying premiums for coverage on your car, your carrier is contractually obliged to take care of those damages. Just don't be surprised if they won't cover additional damages that resulted from not having the vehicle properly repaired right after the accident.
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
Once your insurance has paid, you are responsible for the rest.
No. But in most states you are still required to have liability insurance to cover the costs of any damages you may cause to others if you are at fault in an accident.
The amount of coverage and the specifics of coverage will vary from policy to policy. In general liability insurance will cover damages to individuals or entities other than the insured individual. For example, in auto insurance liability insurance will provide for individuals injured in an accident excluding the policy holder.
Liability insurance only covers someone else in the case that you are responsible for damages caused in a collision. Comprehensive coverage will cover a driver that you hit, as well as cover yourself for any damages inflicted during a collision.
If you purchased full coverage you should have Collision coverage. If so, it will cover the damage to your tires and rims minus your deductible. Happy Motoring
The only car damages covered under the cheap car insurance coverage is liability insurance. Damages are usually covered up to $5,000.00 for the cheapest automobile coverage available. Liability covers physical damage. Most cheap car insurances do not cover car damages.