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If your wife is killed in a car accident that was not her fault how does the insurance works?
Wiki User
∙ 13y ago
In the United States, you see a lawyer. The Insurance Company offers you the least amount possible. The lawyer may be able to get you a lot more money.
Wiki User
∙ 13y ago
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You live in Michigan you had an accident with a leased car with full-coverage insurance and it was their fault Will they pay for your car to get fixed?
There insurance will cover the cost of repairs to your vehicle. This works with any vehicle even if it is a rental.
What is an Auto Accident Attorney?
Auto accident attorneys represent individuals involved in car accidents. These attorneys can represent plaintiffs or defendants and may be hired by a driver’s insurance company to represent the driver or the insurance company. Plaintiffs’ automobile accident lawyers are available for those that have suffered injuries in a car wreck. The lawyers will consider the case and if there is a potential lawsuit. If so, auto accident attorneys will notify the other party or parties in the wreck. The case may never go to court and the auto accident attorneys may work out a settlement that all involved parties agree to. Defense lawyers for car accidents will assist parties that are being sued after an auto accident. An auto accident attorney that works on the defense side will attempt to show that there was no fault on the part of the driver he or she is representing or try to negotiate a lower amount that that person will have to pay for the accident and any injuries. An auto accident attorney may be retained or hired by an insurance company. Car insurance companies will hire attorneys on behalf of their clients as the attorneys will help reduce the liability costs that the insurance company may have to bear after an accident. The auto accident attorney does this by working in a similar capacity as he or she would as a defense attorney. The aim is to settle for an acceptable amount or demonstrate that there was little or no fault on the driver being sued. Additionally, an insurance company’s auto accident attorney may work to recover costs from another driver or insurance company. The auto accident attorney functions like an attorney for a plaintiff. The car accident lawyer pursues payment of costs incurred by the insurance company in covering damage or injury suffered by the driver. As a result, the driver that was not at fault gets all repair costs paid for, but the insurance company recovers that money from the driver that was at fault without the driver without fault having to wait for a settlement.
Do you have to declare accident on works policy to your own insurance company?
They may raise your rates so I wouldn't tell them.
Does plpd insurance cover the replacement cost of the other car if you hit someones car from behind and totaled it?
Property damage within your auto policy will cover any damage you may cause from an accident. Liability is for any medical attention they may need. PLPD INSURANCE IS STANDARD MINIMUM COVERAGE THAT PROTECTS YOUR VEHICLE IN THE CASE OF AN AT FAULT ACCIDENT, HENCE WHY IT IS MANDATORY. NO-FAULT LAWS ALLOW COVERAGE FROM YOUR OWN INSURANCE COMPANY TO COVER YOUR OWN VEHICLE. IF YOU WERE NOT AT FAULT IN AN ACCIDENT (SOUNDS LIKE YOU WERE IN THIS ONE) THERE WOULD BE COVERAGE FOR YOUR VEHICLE REPAIR/REPLACEMENT. THE OTHER DRIVER'S VEHICLE WILL BE COVERED UNDER THEIR OWN POLICY. YOUR POLICY WORKS FOR YOU ONLY. * Comprehensive pays for damage to your car from vandalism and Acts of God (hail, flood, falling trees, gravel thrown by traffic) and Collision pay for damages to your car when it collides with anything (another car, tree, road sign) if you are at fault. Personal Liability (PL) pays for injuries you cause and Property Damage (PD) pays for damage you cause to another person's property. If the other party is at fault, their insurance pays.
How Does Texas Car Insurance Work?
Although every driving American is required to have auto insurance, this insurance can differ greatly from state to state. One state that is certainly quite different from many other states when it comes to car insurance is Texas. Every single car a person owns in Texas must have the minimum insurance coverage required by state law. In fact, proof of Texas car insurance must be presented before a person is even allowed to register a vehicle. For each person in a car accident, a minimum of $25,000 must be provided for harm done to that person by the accident. For all bodily harm done to those by the accident, a policy must provide a minimum of $50,000 of coverage. Lastly, $25,000 of coverage must be provided for any property that was damaged ore destroyed by the accident. Texas is a state that uses a "fault system" for its car insurance. This separates it from other states that implement a "no fault" system. What this means is that a person can be held liable for the accident if that person is determined to be at fault for causing it. In certain states, this liability can be proportional and spread out among multiple drivers. However, in Texas, it is likely the person determined to be at fault will be held liable for all damages created by the accident. In most cares, these damages will be paid by the car insurance company of the person that is at fault for the accident. Due to how this system works, it is generally a good idea for a driver to have a good amount of car insurance coverage in case an accident ever occurs. In states with a "no fault system," less coverage may be required. Texas also differs from other states in how it lets insurance companies set the rates that customers are forced to pay for auto insurance. Texas law specifically allows credit history to be used as part of the criteria that determines a person's car insurance rate. This is not allowed in many other states. In fact, it may also be used to determine how a person pays car insurance premiums. For example, a person with good credit history may be allowed to make quarterly payments. However, a person with poor credit history may be forced to make monthly payments. People with really poor credit may even be forced to pay the premium upfront in full.
What Types of Car Insurance Are Used in Florida?
New drivers may be confused about the different kinds of car insurance available on the market. This is no different for new drivers that live in Florida. To give people a better understanding of Florida car insurance, below is a brief over view of how Florida car insurance works and the different kinds of car insurance available to Florida residents. Certain states have what is referred to as a "fault" car insurance system. In such a system, certain drivers are blamed for accidents. If a person is determined to be at fault, that person will be held liable for the accident. This could result in a person's insurance being used to pay for all damages created by an accident for both drivers. Florida car insurance is quite different. Florida uses a "no fault" system for car insurance. In this system, neither party in an accident is blamed for the damages created by that accident. For this reason, certain kinds of insurance that are required in other states that have a fault system are not required in Florida. Comprehensive car insurance is also not required. Comprehensive car insurance covers things such as "acts of god" that include damage done to a car due to severe weather. Uninsured motorist insurance is not required either. This is insurance bought in some states to cover drivers in case they are ever in an accident with a driver that does not have car insurance. One kind of car insurance that is required for Florida drivers is PIP car insurance. PIP is an acronym that stands for "personal injury protection." This kind of coverage is used specifically to cover the driver and others if bodily harm was caused to them by an accident. A driver is required to have a policy that provides at least $10,000 of PIP coverage. Florida residents are also required to have PDL coverage in their car insurance policies. PDL stands for property damage liability. This kind of coverage covers expenses produced by property that was damaged or destroyed in an accident. $10,000 of PDL coverage is also required for each car a Florida resident owns. Certain drivers that have been previously involved in a serious accident or have been convicted of serious driving offense may also be required to purchase something known as BIL insurance. BIL stands for bodily injury liability. This kind of coverage pays for expenses related to permanent injuries or deaths caused by auto accidents.
Insurance accident forgivness works when applicant lied about owning home?
An Insurer can void your policy and refuse coverage if it is determined you Intentionally lied on your auto insurance application. Fraud by Misrepresentation.
How does car insurance work after an accident?
The way car insurance works after an accident is that a report must be made to the insurance company. They will review it and then decide what you new insurance cost will be. Answer: Accidents need to be reported to your insurance company as soon as possible whether you or someone else caused the accident. If police were called to the scene then you must obtain a copy of the police report as well to be sent to your insurance company. All of this if you plan to file the insurance claim through your or the other drivers insurance. Some have accidents but the repairs are so minor that they pay out of pocket rather than getting the insurance companies involved.
What does stacked insurance mean in Florida?
Stacked coverage means that you may combine your coverage limits for each automobile insured under your policy. For example, if you insure three cars and obtain stacked coverage with limits of $10,000 per person and $20,000 per accident for each auto. Your stacked, or combined, coverage will total $30,000 per person and $60,000 per accident. If the coverage was unstacked, then the limit of coverage for each vehicle would be $10,000 per person and $20,000 per accident.Stacked Uninsured Motorist Insurance is the best type of UM insurance to protect you and your family. Here is how Uninsured Motorist insurance works. It will pay for your damages if you get in an accident with an at-fault driver who does not have ANY Bodily Injury Insurance, which is called an Uninsured Motorist
How do automobile insurance policies work?
Automobile insurance policies usually vary by region and country. In most countries, a standard automobile insurance policy works by covering third-party liabilities to your automobile, statutory accident benefits, and property damage compensation.
If your car was totaled in an accident how do you go about getting total replacement value?
You will only get the book value of the car at the time of the accident. It may not be enough to replace it, but that is how insurance works. If you have GAP insurance through your bank with your loan, then that insurance will cover the difference in replacing that particular make/model of car. This does not pay enough to replace the car. It will pay the remainder of your loan after the insurance settlement. You may still owe the bank your deductible amount.
If you have liability insurance only in a no-fault state and you were rear-ended and vehicle totaled who pays for the replacement or repair of the vehicle?
Michigan's no fault law is really a pain. If you only had liability insurance, even if you weren't at fault, you're responsible for the damages to your vehicle. If the other party had insurance you might be able to file a $500 mini tort claim and get it without having to go to court (your insurance company should be able to do this for you) but that's all you're going to get. Your own insurance company will pay for your medical and your son's medical bills but that's as good as you're going to get. Michigan no fault was passed in the early 70's to lessen the amount of tort claims for people injured in auto accidents. As a result when you get injured, your insurance pays for your injuries. If you accept liability only insurance, you accept the responsiblity for any damages even if they were not your fault. I think people in no fault states ought to have this more clearly pointed out to them since there are more than just Michigan. People assume "it wasn't my fault so you'll have to pay" but that's not the way it works in Michigan. Sorry.
