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If you have no insurance and your car was hit while parked does the other person's insurance company pay?
Wiki User
Answered 2015-07-15 19:29:33
It should. But it's much easier to collect if you have your own insurance.
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If the other persons car is damaged do you have to file a claim?
No, they will file a claim with their insurance company and their company will talk to your company. Assuming you swapped insurance details.
Can the other persons insurance cover your deductible?
Yes. That is part of your claim against them. However, if you filed with your insurance company, you gave up your right to pursue them for damages. Generally speaking, your insurance company will pursue the other party's insurance company and if the other company pays, that payme usually includes your deductible.
What do you ask the insurance company for if your car was hit while parked?
If your car was hit while parked and the other driver drove off, then you ask for payment under your collision coverage.
If you are at fault in an auto accident do you have to pay the other persons deductible and my vehicle had already been damaged?
No. They are responsible for their own deductible. Because, when my van got hit, which was parked, I had to pay my deductible before the insurance company would cover it!
If someone hits your parked car and you call your insurance will your rates go up or will their insurance take care of everything?
If your car is parked and someone hits it, your rates should not go up. The other car's insurance company should take care of everything, even if you have the same insurance company. You are entitled to have your vehicle repaired following an accident that was caused by someone else.
What happens if a fully insured driver admits fault for hitting a parked vehicle but the other driver involved in the accident had no license insurance or registration?
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
My parked car has full coverage and was hit by an uninsured driver?
tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.
What if someone hits my car while parked and i don't have car insurance?
Several things can happen. Allowing you parked legally other than insurance: the person who hit your parked car is responsible to pay damage. If you were parked on private property the lack of insurance means nothing. If you were parked on a public road or public parking lot you could be on the hook for a ticket for uninsured vehicle, but the other guy should pay anyway. Don't admit to driving with out insurance!
What do you do if you have auto insurance and you hit a parked car whose driver does not have auto insurance?
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
How do you sue another persons insurance company for an accident that was your fault?
If the accident was your fault, the other party's insurerhas no duties owed you.
Who pays when a parked car is hit in a private car park?
AnswerAs long as your vehicle was parked legally and you were able to obtain the other vehicle's insurance info, the driver of the other vehicle's insurance co. is resposible for all your damages.
Is the other driver's insurance company responsible for when my pip runs out?
No, The other persons Insurer is not responsible for the coverages or lack of coverage you decided to purchase from your own insurer.
When two cars are parked in private drive and one is not parked well and the other slides down and scrapes the other is anyone at fault neither car was running?
I believe the owner of the car that slid down would be responsible since it's the driver's responsibiltiy to ensure the car is parked securely. And since the car did slide down, then the insurance company is likely to say that car wasn't parked properly.
If you hit a parked car and the damage is over your deductible how does that work?
If you hit a parked car, the deductible applies to your vehicle, not the parked car. The other vehicle is covered by your liability coverage and there is no deductible attached. You pay the deductible on the repairs to your vehicle, usually to the shop after the work is completed, the insurance company handles the balance directly.
Do you need to contact your insurance company If someone scratch your car and you have his policy number?
If you intend to file the claim against the other persons policy then no you don't have to call your company. As long as the other company is accepting liability for the damage then there is no reason to involve your own company.
Will the insurance company pay you for the use of your opther car while your primary car is damaged?
If you are not at fault, you can make the other persons insurance company compensate you for a loner car. If you are at fault, most insurance companies offer a loner car as an option to your insruance plan (increases your premium)
If a car accident was considered the other persons fault how long does their insurance co have to approve the repairs to your car?
Not sure I understand the approve part because the car must be fixed. I would either contact your insurance company for help or get a body shop that will automatically bill the insurance company.
If your parked car was hit and the at fault driver was found what options are available if both parties are insured and you have a 500 deductible?
All the damages will have to be paid by the other party's insurance company. Your deductible isn't applicable.
Why would your insurance company want to know if your car is in a garage or not?
Usually the question is 'where is your car garaged' or in other words, in what area is your car parked at night? This is to determine the exposure of the car and driver to conditions in your neighborhood.
Do you have to give a statement to the others insurance company if no police were called?
AnswerImportant: Always default to your own insurance company for this answer.If the other insurance company is trying to contact you, call your claim representative and ask her what you should do. Usually, your insurance company can discuss liability with the other party's insurance company without you having to get involved. You don't want to prematurely call the other insurance company and say something on tape that may cost you a better legal standing.
Will your insurance be notified if someone else gets a ticket in your vehicle?
It can show up on your CLUE report which insurance companies use. Generally it will have your car but the other persons name and info. It is easy to get the insurance company to ignore that ticket under those circumstances.
If your parked car is hit in a school parking lot by an uninsured motorist what action can you expect from your own insurance company?
It depends on what sort of coverage you have on the vehicle. If you are fully insured, then the insurance will pay the damages minus your deductible. If not, you are on your own and will have to try to get the other party to pay for the damages. If your insurance pays, you can still sue the other party for the amount of your deductible.
If your auto is hit the other driver's auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
You were recently in a car accident their insurance company went with a 5050 split you got your insurance company involved and they found the other party 100 at fault what is the next step?
Let your insurance company know everything that you know about the accident and about what the other person's insurance company has proposed, and then let your insurance company handle the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement offer of a 50/50 split. Let your insurance company know everything that you know about the accident and about what the other person's insurance company has proposed, and then let your insurance company handle the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement offer of a 50/50 split.
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