"3. Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else�s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit."
See the link below for more information on coverage.AnswerNo. Liability takes care of the other driver and his vehicle only. AnswerNo. Unfortunately, liability only covers the OTHER guy's car. If you do not buy the "comprehensive and collision" coverage, YOUR car is only covered if the OTHER guy is At Fault. AnswerIn the UK there are three main types of car insurance: 1. third party; 2. third party fire and theft and 3. comprehensive. The first type will not pay for damage to your vehicle in any event; the second will pay if damage to your car is caused due to fire or theft and the third will pay in any event for damage to your vehicle.
If however damage is caused by the user of another vehicle you will be entitled to claim compensation from the other driver's motor insurance for your vehicle damage and if no insurance is in place form the Motor Insurers Bureau. See the related link entitled "car accident claim" to see how to show legal fault for your car accident.
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
Full coverage auto insurance covers everything. If the car is totaled they will will replace it. Liability auto insurance will only cover medical bills, and not the car if it is totaled.
If the accident is your fault, your insurance company is not going to pay out anything. If it is the other person's fault, the other insurance company will be liable.
If you caused the accident and you totaled your car and you only have liability insurance, your insurance company does not do anything to your car. The car was taken away by the tow truck driver. You may pay to haul it somewhere to be repaired or you may sell it to a junk yard. If the other driver caused the accident, then his insurance company buys your car. It still goes to a junk yard to be recycled. That way, however, you will get some money. Either way, you are entitled to get your personal stuff out of the car.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Gap insurance only pays if the vehicle is totaled in an accident or stolen and not recovered. It does not cover the deficiency balance after a repossession sale.
If the driver was uninsured or only had liability insurance, they would be liable to still pay the finance company back or face a lawsuit.
If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your....and vise virsa.
Only if the driver was responsible and only for his liability