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No. If you had an accident with your husbands car and you were At Fault with only PLPD insurance, the damages to your vehicle would not be covered.

2007-02-06 10:11:58
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Related Questions

What happens if the damages in an accident exceed the insurance coverage of the person at fault?

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 :


What coverage protects the person who was at fault in an accident against losses when someone is injured?

Liability insurance.


What coverage protects a person who is at fault in an accident against lawsuits when someone is injured?

Liability and medical insurance.


When you are in an auto accident with no insurance will the other persons insurance pay for their cars damages?

Their insurance policy will pay for their own car. However you must know it's against the law not to have insurance coverage for your auto.


What do you do if you had an at fault accident but you have no insurance?

They can sue you. If you have no money in the bank or no assets (a home, vehicle, valuables), then it won't do the other person any good. It will be nearly impossible to get insurance now that you have an accident on your record without coverage (big no no). In the mean time, hopefully the other person has insurance to cover themselves against people who are uninsured in an accident.


Will your health insurance cover bodily injury in a car accident?

Yes, but only as a secondary coverage to all other auto insurance claims you might have (like bodily injury liability against the at fault driver or personal injury protection coverage in no-fault states).


What are some features of Illinois car insurance?

It is important to understand the different types of insurance coverage most companies offer. Something which virtually every policy should have is liability coverage. This protects the policy holder against financial loss due to a covered accident.


Can you file suit against the person who hit you if the insurance company does not pay off your car?

Yes. If you can prove the accident was their fault and no coverage is forthcoming you or your attorney can file suit.


What is auto insurance?

This is insurance which protects the insured against losses involving the use of automobiles. Various coverages may be bought depending on the desires of the insured. Such coverages include the liability coverages of bodily injury, property damage, and medical payments, and the physical damage coverages of collision and comprehensive.Auto insurance requirements vary. If you're not sure what's required in your home state or country, or you're moving, educate yourself on your state's or country's minimum auto insurance requirements and plan to exceed them. (If you're involved in a serious accident, carrying the minimum requirements won't cover your losses!)Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss.It covers the injuries and damages caused by an accident and for which you are legally responsible.Answer-Auto insurance is a protection that protects the owner of vehicle against financial loss if vehicle have accident. It is a contract between vehicle owner and auto insurance company. The vehicle owner pays the fix amount of premium to the auto insurance company and in exchange the insurance company pays to the vehicle owner against loss as mentioned in the insurance policy. There may be various types of auto insurance coverage such as property damage coverage, vehicle body injury coverage, collision coverage, personal injury coverage and more.


A Guide to Understanding Nebraska's Basic Auto Insurance Requirements?

Nebraska's auto insurance provisions require motorists to use a tort-based system to recover damages sustained in an auto accident. As a result, motorists must purchase at least enough auto insurance coverage to cover potential claims for bodily injuries and property damages.Moreover, Nebraska's auto insurance laws also allow insurance agencies to sell optional coverage that help drivers protect themselves against the risk of collisions, false claims and other potential problems. Some Nebraska drivers have difficulty understanding these requirements. As a result, here is a brief auto insurance guide that can help you understand Nebraska's basic auto insurance requirements.Nebraska drivers must purchase bodily harm coverage that can be no less than $50,000.At least 50% of this coverage must be individual coverage that covers one person's injuries sustained in an auto accident. Moreover, drivers can purchase additional coverage that covers injury-related damages that are not covered under the minimal bodily harm coverage requirements.Drivers in Nebraska must purchase property damage coverage.This coverage must include a minimum of $25,000 of accident coverage. This coverage can be used to cover accident-related damage to vehicles, personal property and property that belongs to people who are not directly involved in an auto accident.Drivers must also purchase uninsured motorist coverage.This coverage must include at least $50,000 of accident coverage and a minimum of $25,000 of individual coverage. This coverage is required because it is believed to help reduce the costs that are associated with sharing the road with non-insured motorists.Auto insurance agencies that do business in Nebraska must also follow several auto insurance requirements. Here is a brief summary of the two most important requirements that are of special interest to Nebraska drivers.Drivers must be told about optional auto insurance coverage plans.Nebraska auto insurance providers are required to tell drivers about optional auto insurance plans that offer protection against the risk of themselves against the risk of collisions, false claims and other potential problems. As a result, most Nebraska auto insurance providers offer free pamphlets that explain these optional coverage plans.Moreover, insurance agents must disclose how they use clients' personal information.Many Nebraska auto insurance agencies use a client's age and credit score to determine eligibility for certain auto insurance coverage products. As a result, auto insurance agencies are required to disclose how they use this information during the application process. Failure to do so can result in fines and a possible suspension of an agent's insurance license.For more details about these requirements, please contact the Nebraska Department of Insurance at (877) 564-7323.


Which of these protects a person who is at fault in an accident against lawsuit?

bodily injury liability coverage...


Which of these protects a person who is at fault in an accident against lawsuits?

bodily injury liability coverage


What will happen if someone sues your homeowners insurance How will this affect me?

First the suit will not be filed against the insurance company but against you as the homeowner. Your insurance company will come in and protect you from the suit. This is covered under your liability section of the insurance policy. Your coverage includes legal fees in addition to the amount of coverage on your liability section.


If the bank puts their own insurance on the vehicle due to no coverage and you get in an accident what is covered?

This coverage is called Lenders Single Interest Insurance, and it insures the LENDER against loss. If you crash the car and damage another person's property, the insurance will pay the bank the amount of the loan and cover any damages that may be assessed against the bank if they are sued. Then the insurance company will attempt to collect all of these amounts from YOU. And of course you are responsible for the damage if you are sued. In other words, THE DRIVER/OWNER has NO PROTECTION from this insurance, even though the premium was added into his bank loan.


How do you get an accident claim against own car when the car is fully insured?

Report the accident to your insurance company. If this was a single car accident - meaning yours- your insurance will have to pay for the repairs minus your deductible. If another party caused the accident you need to turn their insurance information over to your company and they will take it from there.


Can you still collect a release from an insurance company after you have won or lost a civil suit against the other party involved in an accident?

What kind of release are you talking about? If you file a claim with your insurance company for Uninsured Motorists Coverage, you are awarding the company with the rights of subrogation. This means that you are giving them your right to sue the other party. If you did not have UM coverage and sued the other party on your own. In both of these cases you are not dealing with the insurance company directly, except if they call you to testify in their subrogation case against the other party.


How long does an accident that was your fault count against you on your insurance?

No more than 3 years.


What is buglary insurance?

buglary insurance is paid coverage provided by your insurance agency against burglaries. Burglary is when a stranger,whom you did not invite into your house, breaks in and steals, vandalizes


What if your in an accident and the other driver didnt have insurance?

This is why you want to have uninsured motorists coverage on your policy. UM will act the same as if the other party had coverage with the exception of a small deductible for property damage. In some states your physical damage may also take care of the vehicle though then it will count against you on your policy. UM is a far better coverage to have in this situation.


If you have Term Life Insurance do you need to purchase Personal Accident Insurance as well?

I like the following answer. Check with your state insurance commissioner and get the brochure. Read about the exclusions. At last count, it was at 15. I always advise: stay away from accidental death. Too many variables. Too many chances for the insurance company to not pay, and too few for the survivor to collect.-------------------------No. In fact there have been studies that clearly show accidental death insurance is nothing more than a profit maker for the insurance companies that sell it. Very few people die in an accident. If you need insurance buy insurance, but don't ever count on accident insurance to meet your familes insurance needs.AnswerTerm Life insurance is usually low cost and therefore does not include coverage against personal accident insurance. You will need to purchase Personal Accident Insurance separately. Certain whole life policies may ride personal accident insurance. You would need to shop around for free riders like this. Make use online insurance companies who can easily help you search for these.


How does boat insurance work?

Depending on the coverage you want, boat insurance can give you liability coverage (like what you have for your car). But boat insurance is much more complicated. You can get coverage for towing, salvage, and personal property, there is also protection against uninsured boaters, weather damage, fire damage. You can (and should) get you motor covered.


Would the insurance premium of the car owner increase if he was not the actual driver at the time of an accident?

If a claim is made against his insurance...yes.


Does your liaility insurance cover you if your car catches on fire?

No. Liability Insurance or commonly known as Third-party Insurance does not cover damages against fire for your own car. If you want coverage against fire for your own car, you should opt for a Comprehensive Car Insurance Policy as this policy offers all-round protection to you and your car.


What is a group personal accident insurance?

The Group Personal Accident Insurance Scheme is a welfare measure formulated to insure the employees against the consequences of personal accidents and help affected employee--------------ASIR


Does your insurance co need to be notified if you Did not cause the mva Accident occured in NJ?

It is always best to inform your insurance company.If you are not at fault they can (if you have the right coverage) help negotiate with the other company, prevent the other insured from making fraudulent claims against you.ANDMost insurance companies require a report regardless and can cancel your policy if you don't.