More than likely, yes. The car was the responsibility of the person driving it at the time of damage, regardless of the circumstances.
You are NOT liable for any part of the damage (including deductible) as long as you are driving with your friend's permission.
No, you are not responsible for the damage.
Damage to your pool would be covered under Coverage B (other structures) of your policy. But, whether your liner would be covered depends on what caused the damage. If the damage is from normal wear and tear, then no, the damage would not be covered. Review your policy and determine what caused the damage to see if there is coverage. Also, remember the insurance company will only pay for the damage which exceeds your deductible. If you have a high deductible it may not make sense to report a claim.
Yes, but you would have to pay what your homeowners deductible.
The insurance follows the VEHICLE not the driver. The coverage that is on the vehicle will apply. IF the damage is under the deductible...this may want to be paid out of pocket. Who should take responsibility...well, that can be argued, but usually a friend dhould offer to pay the damages as they did the damage. YOU caused the damage, YOU are responsible to pay to fix it, out of your OWN poocket. It is called being a "ADULT" and taking responsibility for your own actions.
No. The deductible only applies to your vehicle.
If you have comprehensive coverage it will be covered. 'Flood' is a named peril listed in all auto policy contracts and most likely will be covered without a deductible.
Yes, subject to your deductible. Call your claims rep.,
As long as your insurer pays for repairs, you have to pay the deductible. If you can find out who did the damage, they or their insurer pay for the repairs.
After you meet your deductible
In terms of auto insurance, the deductible is the amount the policyholder is committing to pay if their vehicle is damaged or stolen before the insurance company is responsible for paying out a claim. A deductible applies to both comprehensive and collision physical damage coverage. Comprehensive will pay for damage or loss to your vehicle resulting from fire, theft, vandalism, hail damage, and wind. Collision pays for damage caused by an accident. You will be required to choose a deductible for each coverage ranging from $0 to $2000. While higher deductibles offer lower auto insurance rates, you will be responsible for paying this amount before the insurance company will cut a claims check. Choose a deductible that is practical for your situation.
The premium is what you pay for the policy. The deductible is what the insurance company will not pay for what is covered. For example you buy a car policy for collision. You pay the premium of $50. If you crash the car, the company will not pay any thing less than the deductible. If the deductible was $1000 and you sustained $1500 damage, the company would pay you $500. If the damage was less than the deductible, you get nothing.
It 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.
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
The term deductible, when discussing insurance issues, applies to the amount of money you must pay out of pocket before your insurance coverage will pay for a claim. For example, if you have a $500 deductible on your homeowner's insurance policy and you have $1,000 worth of hail damage, you must pay your $500 deductible towards the damage and your insurance policy will kick in to pay the remaining $500 for repairs.
AOP stands for "all other perils." This would be your deductible on losses covered under your policy. Examples would be fire, theft, or vandalism. This would be separate from other deductibles that may apply to other covered losses (for example, damage caused by a hurricane).
It depends on the car rental company and the type of insurance you sign up for. The LDW (Loss Damage Waiver) typically covers the car for most damage situations without a deductible or in some cases a small deductible (up to $100). Check the fine print or ask the rental agent about deductibles in case of damage.
The valdivia earthquake caused a lot of damage. But I am not sure what kind of damage it caused.
When you file a claim against your own company you must pay the deductible. Your company may pay you back the deductible only in cases where they go after someone else who was responsible for the damage and your company manages to collect for that damage. Some (not all) companies may also waive the deductible if the insured made no claim in the past 1 or 2 years, for example.
Yes, if you want to turn it into your insurance, you will be required to pay the deductible before they will cover the other costs of the damage. If another person hits your car, you would not have to pay your deductible.
Subject to your deductible, yes a standard HO3 policy should cover your wind damage.
It caused a lot of damage like destroying buildings
It is damage caused by the sun.
Only if there were another vehicle involved. If for instance you back into a tree you wouldn't want to make a claim, unless the damage exceeded the deductible. Perhaps not even then.
The damage is caused by the powerful winds of the tornado. The rest of the damage is caused by debris.
the standard homeowners policy excludes damages caused by rodents, insects and vermin. some states expand this language even further to name the specific types. all policies would include a deductible - the average stove may not exceed the deductible anyhow.
they have caused a widespread damage in Texas