"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 you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your....and vise virsa.
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.
Only if the driver was responsible and only for his liability
While comprehensive insurance covers both you and the party with whom you were in an accident with, liability insurance only covers the other party. Thus, you will only be insured if you are in the comprehensive plan for your part of the accident costs.
My insurance provider, Hanover, told me that they would only write liability coverage, and not full coverage on my truck that was flooded and totaled in New Orleans.
Car insurance in general is not built for you when you are not at fault in an accident. You should complete a police report and and contact an attorney to help sue the at-fault party. If you have just liability you are not paying your insurance company for help in this matter. Liability pays for the damage you cause when you are at-fault in an accident.
The insurance company will only pay the 'book' value of the vehicle as if it were in perfect condition unless damage prior to the accident was discovered and that damage will be deducted from the 'book value'.
Only if you carried GAP insurance will it pay off what you owe to the Lienholder. If not then they will only pay what they valued your car to be worth which may or may not be enough to pay off the loan.
If you only carry liability insurance, that is all that the insurance company is liable for in this state.
if you have gico then no but any other car insurance will yes
If you have medical payments in your insurance. Liability only does not pay medical benefits. And the medical bills have to be the result of an auto accident.
If the only insurance you have is on the totaled car, you will not be required to carry a policy on it anymore. However, it is never good to have lapses in the dates you are insured. I suggest having them to lower your insurance to the most basic your state allows and carry that until you get another car.
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
Liability insurance protects a person if he or she gets in an accident and they end up hurting someone or his or her car or property. Many state have a minimum that each person must carry. Limited liability car insurance is where a person is covered in this case, but only for a small amount, for example, $25000.
If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK - the answer to this is "yes". The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury even when only one vehicle is involved in an accident. See the related link entitled "accident car insurance" to see all the types of vehicle insurance you can have in the UK and what type of liabilities each type of insurance will meet.
Can a homeowner get a third party liability insurance covering ONLY visitors who might have an accident while on the premises (not the house itself and its furnishings and belongings) Thank you Elie