i think you have liabilty insurance. this covers damage to other peoples property & other peoples personal injury. it does not cover you in any way, unless you have some rider on your policy. however, if the other person is At Fault, then they, or there insurance company should be liable for your damages, both property & personal including rental coverage while your vehicle is being repaired. please keep in mind that i am in Illinois. other states might have different guidelines. also, be aware that there probably is a deductible on your policy. your insurance company cannot persue damages against the other party or there insurance company until the amount of your damage exceeds your deductible. then your insurance can subrogate your damages. however, if the other party, or there insurance company comes after you, then your insurance company is obligated to defend you without reguard to any deductible you might have. i have to add to this answer. no insurance company can make you go to one of "there shops". they also cannot demand that you get 3 estimates. keep in mind that you own the car. you have the choices. you can buy Pizza with whatever monies you get, but by the same token, an insurance company is only obligated to pay prevailing rates for your area. if 10 shops in your area charge 10 dollars an hour, but the shop you want to use charges 12, you would be respossible to pay the difference. also, keep in mind that insurance companies do not fix cars, they pay for damages. so if this other party scraped the corner of your bumper, that is all there insurance company is obligated to pay for. if there are other damages on your cover, the shop might want more money to repair that as well. this would be your responsibilty.
yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.
If you have an accident in the first 60 days of your policy,, Yes They can cancel your policy
First of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that insures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver of the borrowed car may be able to add extra coverage.
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.
Globe Life And Accident Insurance are a company that was founded in 1951 it is now based in Oklahoma city and has over 3.8 million policies in force. It provides Life, Accident and Health Insurance coverage.
The Stonebridge Life Insurance Company offers whole life and term insurance, accident and hospital coverage, accidental death insurance and dental insurance.
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Generally, your coverage expires at midnight on the last day of your policy. Until then, you are covered. There may be some time limit during which you must report an accident, but if it happened while you were covered, the insurance company should take care if it.
Medics , police, insurance company, family are to be called.
If you don't the new insurance company can cancel your coverage and possibly not cover any of YOUR losses. They might also consider it to be fraud. Any accident less than $750 isn't chargeable, but if you filled a claim with another insurance company your new company would found out even if you don't tell them, when they run your MVR which shows your tickets and previous insurance companies and claim paid.
Insurance coverage refers to a sort of policy for which one pays premiums to ensure that they are helped should disaster strike. The most common coverage is auto insurance, where the insurance company will pay the cost of repairing a car should you have an accident.
It is good to tell your insurance company within 24 hours of the accident. This way you can receive money from your insurance company soon so you can get your car fixed.
The insurance should cover an accident while it was in force. If you had insurance 2 months ago and the accident happened 2 months ago, coverages should apply. If the accident happened today and the coverage stopped 2 months ago, there should not be coverage.
I am assuming you mean for an injury and there is coverage on both vehicles involved? If you have medical pay perhaps, state laws very. Check with your company. If you mean for the damage to the vehicles I see no way for there to be coverage as a passenger.
Only if you have bought the extra coverage to have a rental. "Full coverage" usually just means you bought liability, comprehensive, and collision insurance.
Some do. I work for an insurance company and many will take ownership of the accident.
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
Auto insurance is basically not a medical insurance. However, if you are involved in an accident and need medical attention or treatment from phisotheraphy or massage can be approved and paid by the insurance company based upon the medical reports and the need for the same. Massage treatment would fall under no fault coverage of the auto policy for eg in Ontario where this coverage is compulsory. In some parts of state this coverage is covered.
The un-insured driver will have to turn to their health insurance company for coverage if he carried no auto insurance.
If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.