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Yes, and your spouse will end up with an at-fault accident on their record. The collision deductible will apply to the damage on the car that your spouse was driving and there will not be a deductible for the damage to the parked car. Maybe. Check with your agent, but some policies specifically exempt damage caused by another vehicle on the same policy. It prevents people with two junkers from having driveway "accidents" where both vehicles are totaled but no one is hurt. Of course, they can still drive both cars into a brick wall.

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โˆ™ 2005-11-04 06:19:25
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Q: If your spouse hits your car and you are on the same policy will insurance cover the accident?
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Related questions

What happens when you have insurance at the time of an accident and then it gets cancelled does the insurance still cover the accident?

Yes it does. The cancellation of an insurance policy is not retroactive.


Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?

If the car that was involved, in an acident was insured yea!


Can anybody dirve my vehicle without being on my insurance policy?

Yes, if they have insurance and get into an accident, then their insurance will cover them. If they do not have insurance, then your insurance will cover them but your premiums may go up.


Does insurance cover a minor driving after curfew if they are in an accident?

Yes. If they are on your policy they HAVE to cover it. Hope this Helps!


Does accident insurance cover a broken finger?

Your question does not have sufficient information to give an answer. What type of "Accident Insurance" policy are you talking about?


What happens if the damages in an accident exceed the insurance coverage of the person at fault?

You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :


What would renters insurance be useful?

Renters insurance can cover loss in case of fire, theft, accident. Your possessions are not covered by the building owners insurance policy.


If your 17 year old does not live with you and drives your car do you have to add him to the policy?

If you want him to have insurance cover in the event of an accident you should add him to your policy. Any body that is not on your insurance policy should NOT drive your car, if they have an accident you'll have big problems.


Do you have to live with your parents in order to use their insurance coverage in an accident i had an accident with rental car my parents insurance would cover?

You don't have to live there as long as you are listed on the policy.


What is liability coverage on auto insurance?

This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.


What does general liability insurance cover?

The amount of coverage and the specifics of coverage will vary from policy to policy. In general liability insurance will cover damages to individuals or entities other than the insured individual. For example, in auto insurance liability insurance will provide for individuals injured in an accident excluding the policy holder.


Does auto insurance cover telephone pole damage or replacement?

Yes, The liability portion of your auto insurance policy will cover the damages you may do to a telephone pole in an accident.


Get into an accident without a license will your insurance cover it?

If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.


Will insurance cover the car i hit if im not on policy?

It depends on the state, policy, and company. Some will if you were an authorized driver of the vehicle and you had an accident.


Does health insurance cover you in a DUI accident if its your fault?

It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.


What to do if auto ins policy isn't enough to cover my medical bills after accident?

If you have a health insurance policy (Medical Insurance) it will pick up where your auto coverage left off.


Can you take a second health insurance policy in order to get your husband covered because the first policy won't cover a spouse?

yes. but cheaper to find dif. ins. co. that will cover you both on same policy.


If your spouse was not listed on your policy and had an accident in your vehicle that has full coverage does your policy cover repairs on it?

Your auto insurance automatically covers all family members that live in the household. However, by not listing your spouse as a driver you have not disclosed all the licensed drivers in the household, which is one of the questions on the application. Since the premiums you have paid did not reflect all the correct information, the insurance company may back charge you premium for not having him/her on the policy.


If an unlicensed driver was involved in an accident in one of the vehicles on your auto insurance policy Will your insurance cover the charges?

Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.


Do you have to add your teenage driver to your insurance?

Yes. Some states will not cover an accident if a household member is not listed on the policy.


Does homeowners insurance cover hospital from a car accident?

No, Homeowners insurance is for the house. it does not cover cars or car accident claims.


If you are driving your friend car and you get in an accident would the insurance cover the claim?

Only if the insurance covers more than one driver. Check the policy.


Does State Farm Insurance cover your pet if you are in an auto accident?

State farm does not cover your pet if you are in an at fault accident, however, if you are involved in an accident in which it is the other driver's fault, pets fall under property damage and their bills would be paid by the other driver's insurance company. On a side note, Progressive offers $1,000 for pets if you have a collision policy with them. As for State Farm, you'd be best off getting a Pet Insurance policy ( From a different company ) that would cover them for an accident no matter what type it is.


Can you get insurance at the scene for a accident?

Trying to get insurance to cover an accident that has already happened is Insurance Fraud, which is a Felony.


Can automobile policy issued to cover retroactively?

No. An insurance policy cannot be issued to pay for an accident that already happened. Why in the world would you think that an insurance company would take on a claim that happened before you purchased the policy.