If you have two vehicles insured by the same company and back into one of them will they pay for the damage to both vehicles?
Check your policy. It probably has an exclusion for any damage caused by another vehicle owned or operated by anyone on the policy. Otherwise, everyone with a junker would be ramming into it with the good car.
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Will the insurance company pay for a vehicle that is stolen while the keys are in it or running with the keys in it?
If you leave your car running with the keys in it, and it's stolen, an insurance company might say you've increased the risk of the vehicle being stolen exponentially, and therefore the coverage wouldn't apply. They could also argue that you didn't mitigate your damages, or try to avoid a loss. …The problem, of course, is that you pay your carrier for a coverage, and denying that coverage is very, very difficult. Courts generally find in favor of the policyholder, not the insurance company. And, of course, your carrier may say you are partially liable for such a loss, but when you get right down to it, the person who's really liable is the actual car thief. If you're facing a problem with your carrier regarding this, you might want to seriously consider approaching the division of insurance for your state, who would have any case law that applies. They can also "light a fire" with your carrier to handle the claim. More Information: I've heard of some carriers attempting to include language in their policies for this sort of thing, where coverage is excluded if the vehicle is left running and/or the keys are left in it. So far, I haven't seen such an exclusion stand up in court, but I could be wrong. The idea behind this is that your insurance covers standard risks that we all face. One of those risks, of course, is having our cars stolen, which is covered under comprehensive coverage. . If there is a local ordinance against leaving an unattended car running, it would certainly reduce your chances of getting an insurance settlement. ( Full Answer )
If your vehicle was damaged but not totaled can you request that the insurance company replace it with a new vehicle if the accident was not your fault?
Fault in the accident is not a consideration. Normally the insurance company or the at fault driver is responsible only for repairing your vehicle and providing you with a rental car. While this may not be entirely fair, it is the system and you agreed to it when you chose to drive. Some states do h…ave a provision that a vehicle must be totaled if the damage exceeds a certain percentage of the total value of the auto. YOur best resource is your insurance agent. lwpat ( Full Answer )
You must have comprehensive coverage in order to recover on a claim from your insurance company if your vehicle is stolen. Liability only is just that, liability for your legal liability for damage or injuries to others.
If you settle a total loss with an insurance company & choose not to keep the car, you have to send them your signed title and release possession of your vehicle to them in order to be paid for the claim. You do have the option of retaining it for less settlement money (due to salvage value and, in …certain states, license & fees, taxes, etc...If you choose to retain, you will still not be paid for the repair of your vehicle, it is still totalled. Depending on the state, you also must get a salvage title on the vehicle until you have had it repaired & inspected by the state to be deemed roadworthy before applying for a rebuilt title. ( Full Answer )
Answer . Take them to small claims court or settle it through your insurance company.
If your vehicle was damaged while in parking gear and the insurance company refuses to pay for transmission damage what recourse does one have?
Are you asking about transmission problems that someone hit you while in park? Or that you didnt have money to fix it and asked the insurance company to help? If its the first scenario, you will need proof that the damage done to your transmission was a direct result from that accident. If its the s…econd one, your insurance doesnt have to pay anything, as that's what warranties are for, not insurance policies. ( Full Answer )
if it is recovered and repairable they will pay to repair less your comp deductible, if not recovered they will pay the actual cash value of the vehicle less your comp deduct, also sales tax (or credit) title/licensing fees etc......
If you have full coverage auto insurance and you damage another vehicle and not yours do you have to pay a deductible?
Answer . \nIt is the liability portion of your auto policy that pays for the damage to another vehicle that you hit. There is no deductible to fix the other car.
Can your employer make you pay the insurance deductible if you have an accident in a company vehicle?
Answer . I don't know, but if the accident was your fault, why should he have to pay it? Might be better to pay it so you can keep your job (if the accident was your fault).. Answer . Probably not, if you were on company business at the time. If you take a company truck home after work and yo…u were at fault, that's a different situation. In either case, if you were at fault, he can write you up or possibly fire you. It might be easier just to pay the deductable. ( Full Answer )
What happens if someone hit your car while backing up and you were passing and they hit your driver's side and some damage was done to your vehicle and both cars are insured?
Answer . In most parts of North America the driver reversing out of a parking stall is responsible for ensuring the way is clear and it is safe to proceed. But you should check with your local authorities on the subject. (i.e. Insurance provider or Licensing Office)
It isn't illegal to have two policies on the same vehicle, however it is illegal to try to claim twice for the same vehicle and the same incident.
Answer . \nIt depends on the adjuster. Most companies have a percentage chart set up, like if repairs are over 80% of what the car is worth then they will total it out. I have seen a few cases though where the adjuster has gone way over the amount of the vehicle to have it repaired.
What do you do when the at-fault vehicle's insurance will not pay you for your totaled vehicle because the insurance company has already paid for other vehicles damaged in an accident?
Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all the vehicles involved. I would have to know a little bit more about what happened, but you're only realistic action at this point is taking their policyholder to small cla…ims court. However, if you have your own coverage, use it and let your insurance company deal with it. ( Full Answer )
Is there a law in North Carolina that the insurance company can't pay you for depreciation of your vehicle after it was damaged by a flood?
Answer . I doubt if it is a law, but the terms of the policy you bought. Most do not pay for depreciation, just the damage. You will get the difference between what the car was worth before the flood damage and its value after, less your deductible.
If your vehicle is stolen and the insurance company pays you off then the vehicle is recovered do you have to pay the money back?
Answer . You either have to return the money or not keep the vehicle. You don't get the benefit of both the value of the car in cash and the actual car.
If a hit and run vehicle knocks an insured moving vehicle into your liability-only parked vehicle whose insurance pays for damage to your car?
Answer . The "At Fault" party is responsible for your damage, regardless of who ran. The driver who ran from the scene is not necessarily the at fault party. The question is who caused the accident? That person is responsible for the damage.. Answer . It seems that you alone will have to purs…ue payment from the insured vehicle that hit you. If you had comprehensive coverage, your insurance company would have paid for your damages (or totaled your car, whichever is more prudent) and would have gone after the insured vehicle that hit you. As it stands now, you can try and work with the insurance company of the car that hit you or sue the driver for repair costs. Both are laborious processes. Do yourself a favor and buy comprehensive insurance, which isn't too expensive and, trust me, will come in handy one day. ( Full Answer )
Can you file a claim with your insurance company for underside damages to your vehicle if you hit a rock or block?
Answer . Yes you can but you will be the one paying for all damages and repairs and deductibles. Why not go get it fixed with out the headache of all that. You cant sue the city or state because that would be very hard to prove that the damages came from anything that they were negligent for.
When someone backs into you while pulling into a spot on a private property and does not get a ticket whose insurance will pay for the damage on the vehicle pulling in?
Backing Into Cars . Based on your description the car that backed into the other car should pay for the damages. You can't get a ticket for backing into someone's car unless they were either drunk or had no license, both instances in which police should be summoned.
Will liability insurance pay for company property in a private vehicle if the vehicle is destroyed by fire?
Answer . usually no, but your homeowners MAY, and your employers might as well....most auto policys specifically exclude any and all personal property, and homeowners (under personal property coverage) will exclude some property 'while in or upon a land motor vehicle'.....then there is another t…wist because it is 'company property' .... i'd file the claim with all, but would bet that none on auto, might have some minor coverage, (with a limit) on your home owners or renters policy, but may need a denial under your employers coverage first before they can pay...... and should find coverage with your employer........ ( Full Answer )
If a tire blows out on my vehicle and the only damage is to my vehicle and the passengers in it What if any will my North Carolina liability insurance pay out?
Answer . you are saying you only have liability? will cover nothing on your vehicle. if your passengers were injured (baring any exclusion) you liab. coverage will cover their injuries assuming you were negligent in some way....
What does the policy say? Are non-owner drivers covered? Hey,how come you get an auto insurance when you do not own a vehicle?Insurance of a vehicle is mandatory on the owner of that vehicle!Your question makes no sense.(sorry for saying this).
If you accidentally hit your wife's car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?
Answer . You need to check with your agent. In some cases, accidents involving relatives are not covered.
What happens when the insured party at fault does not have enough property damage coverage to pay for damages to the other insured parties vehicle?
The person who owns the vehicle that you hit will probably take you to small claims court for the difference. You will be given a payment schedule and time to pay. If you default on payment then that person can put a lien on your property.
The insurance company usually has the final say because they are incharge of paying out any damages. In essence, the insurance companyusually takes the side of what will cause them to pay out the leastamount of money.
Most insurance companies will instruct you to call them first whenyou have an accident, unless there are injuries. You should callthe police to get an accident report.
You were rear-ended by a uninsured driver in an insured vehicle whose policy owner does not live in the same address Can you use uninsured motorist property damage coverage from your insurance company?
Well, first of all, you dont need to use your own coverage if the other vehicle has coverage. Auto insurance covers the vehicle even if the driver is not listed on the policy, unless the driver has been excluded from the policy. For example, my friend was visiting from out of state. She borrowed my …car to go to the store and had an accident. My insurance still covered the damages even though she was not listed as a driver on my policy. ( Full Answer )
If a car was stolen and found in bad condition do you have to accept the vehicle back or can you reject it and have the insurance company pay it off?
I am sure that theft insurance functions just like collision. The insurance company has the option of repairing the car or declaring it "totalled" in which case they give you fair market value for the car (they do not have to pay it off)
Yes, if your auto lender doesn't have to sign it and if they don't then require that the repairs be done. If it's a safety issue, though, you may not be able to renew your inspection without repairing the vehicle in addition to the safety concerns of just driving around in a damaged vehicle.
I feel the price depends upon the year, make, model of the vehicle totalled as well as how badly damaged is the vehicle in question and do you have a vehicle on hand to possibly transfere the salvageable parts from the totalled vehicle to the replacement vehicle?. Also did you get enough money from… the insurance company for the total prior to inquiring about buying it back?. This would perhaps be a personal decision you have to make and not someone else deciding the buy back for you. ( Full Answer )
no they can not they could only put it in storage until u pay ur late fee or until is being sold at action if no action to pay ur over due fee is done in a timely matter
Insurance companies ONLY pay for Replacement value when you have paid for an additional endorsement to insure your car for its "replacement" value. Otherwise, they pay Actual Cash Value, using blue books, fair market prices, your car's condition, i.e miles, etc, all of it is a factor to determine ac…tual cash value, etc. ( Full Answer )
Your wife backed into your sons car in the driveway The vehicles are insured by different companies your wifes insurance claims since your son resides in the same house they will not cover damages.?
The insurance company claims there is a Michigan law that prevents them from paying a claim on two insurance policies from the same residence
At least in the UK, and I belive in the states, it will depend on your insurance. Normally, if your insured to drive otehr vehicles on your policy, it will only pay to something you damage, not the vehoicle itself. Your best bet is to ring up the insureres and see.
If your insured with one company and you drive another vehicle that's insured by another company and you get into an accident wich insurance company pays for it?
The Owners Vehicle Policy offers primary first pay coverage. Any policy carried by the driver would invoke as secondary coverage.
Who In Florida is responsible for paying for damages to the vehicle one has insurance the other does not?
If the insured vehicle had collision coverage, the most direct route by which to have the damages taken care of would be by making a "first-party" claim against your own insurer. If you did that, you would be responsible for the payment of the deductible. When the insurer pays for the repair of your… car, it acquires the right to pursue the wrongdoer to get its money back; that process is called "subrogation". More often than not, the insurer also attempts to recover your deductible. Collision coverage is not usually mandatory unless the car is financed. In that case, the lienholder probably will require it if only to protect the value of the collateral on which it has loaned money. If you had no collision coverage, you may file a lawsuit against the owner/driver of the at-fault vehicle. If the driver was using the vehicle with the owner's express or implied permission (assuming that they are different people), both parties are potentially liable and you would be able to seek recovery from both. That is, although you could only recover your damages once, recovery could be had from the driver, the owner, or some combination (called "joint and several liability"). The suit would be to recover the cost of repair and other damages that may have been incurred (such as reasonable rental expenses, loss of use (if there was no replacement car rented), towing charges, etc). The court in which suit would be filed depends upon the amount of damages. It is always a good idea to see if the other party is willing to voluntarily settle the claim, as it never a certainly how a lawsuit will turn out, or whether, even if you win, you will be able to collect. If you have to file a lawsuit, it would likely be based upon a legal theory called "negligence", which essentially means "carelessness". In Florida, which adheres to the theory of "comparative negligence", your damages will be reduced depending upon how much negligence is attributed to you (if any). Therefore, your realistic assessment of the degree of negligence of you and the other driver will be among the factors in determining how hard you press the claim and when or if you compromise. ( Full Answer )
Can an insurance company claim damages from a person who was involved in an accident with the insured after his vehicle is repaired by the insurance company?
Yes; the process is called subrogation. The insurer that paid for the repair of its's insured's vehicle succeeds to the right of action against the at-fault party for the purpose of collecting that which it paid. The subrogating insurer has no greater rights than its insured did, such that if its in…sured is found to have been, for example, 30% at fault for the collision (in those states that adhere to comparative negligence), the insurer can recover only 70% of its damages. ( Full Answer )
You could be, it is best to make sure that the vehicle is insured to avoid any disputes. It depends on your state. In Utah, where I am, an employer can withhold the amount of their insurance deductible from the employee's pay if the employee was determined to be at fault. We had a case like this. …Our deductible was $1000 and we fired the employee and withheld the deductible amount from his final pay. The reason was that he took our company vehicle to run a personal errand and hit a concrete post with it. It wasn't business related, so he was liable for the damages and lost his job. I would suggest you contact the department of workforce services in your state. ( Full Answer )
Can you file a claim against your friend's auto insurance after they backed into your vehicle 10 months ago and offered to pay out of pocket for damages then stopped paying in Missouri?
Yes you may, provided that the statute of limitations for lawsuits of that type (probably for negligence) not expired. Additionally, keep in mind that many, if not most, states prohibit a claimant from directly suing, or even naming as a party, the defendant's insurer. Instead, if you do file a la…wsuit, the insured will be the named defendant. It is up to him/her to notify the insurer that he/she has been sued. If the claimant did not notify his/her insurer of the collision within a reasonable time after it happened, the insurer may disclaim coverage. This is an issue directly between the insurer and its insured, but tangentially involves you because the insurer may refuse to pay. The refusal would not be based so much upon you being at fault, but upon the fact that its own insured did not comply with the notice requirements of the policy. If the liability insurer does step in, it would have the right (and duty) to contest liability and/or damages on behalf of its insured. In your favor would be the fact that its insured undertook to pay you, which might be construed as an admission of fault. On the other hand, the insurer may construe that action as being prejudicial to its right to defend and to contest liability and damages. Although this sounds complicated, the fact is that most insurers are not likely to raise coverage defenses such as this when small amounts of money are involved. ( Full Answer )
Yes, this is a very common practice. Sometimes your car insurance company will not be able to write certain vehicle types such as motorcycles or classic cars.
Does the insurance company have to pay for a rental vehicle for a client until their vehicle is fixed if they have full coverage insurance?
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.
The property damage coverage is a part of the liability coverage and provides for the repair, replacement, or payment of the actual cash value of another party's vehicle if you hit the vehicle and the accident is your fault. There is a maximum amount available per accident listed in the declarations… page of your insurance policy. ( Full Answer )
I don't really understand your question. Please explain a little. What company and using it for what.
As far as I know all should, but insuring for any more thanliability and perhaps uninsured motorist would be a waste of money.
There are many different companies offering vehicle insurance around the world. To shop around for rates one could compare rates at Allstate Insurance and at Johnson Insurance.
Insurance for your vehicle in case of a breakdown can be found at companies like the AA and the RAC. They have comprehensive cover to assist in any motoring breakdown emergency, even at the road side.
One can buy international vehicle insurance using AAA Insurance. One could also buy international vehicle insurance by purchasing from the GEICO company.
Most insurance companies offer insurance for company cars. Check with the company you use for your own car. Usually they can do a price comparison for you.
The best way to find a reliable vehicle insurance company is to research a number of companies, ask relatives or friends about their experiences, and ensure that the policy being offered covers all your requirements, especially in the small print.
Insurance for a vehicle can be purchased from major providers like Progressive, Geico and State Farm by visiting their websites and submitting for a quote. There are also a number of local providers which advertise in local newspapers or can be found in a copy of your local Yellow Pages.
You can find motor vehicle insurance companies online from websites such as Cheap Car Insurance Network. Once on the website, enter in your Zipcode in the form at the top of the page to get a free customized quote.