As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.
If the accident occurred after your policy lapsed and before reinstatement, no, it won't.
If the damage occurred during the accident in question, then it should.
It should unless there was some illegal activity that had occurred and you had the proper coverages. There is no difference in a private property accident or a public street accident when it comes to paying claims.
Your insurance SHOULD cover the damage assuming you had comprehensive coverage and not just liability. However, you might have a problem proving the damage occurred while you were still covered.
You should call your insurance co. first. They will have the information you need. If you did not have insurance at the time of the accident or have changed insurance carriers since the accident consult an attorney.
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
In most insurance claims, the burden of proof is on the claimant - in other words, YOU have to prove the accident occurred for them to pay off the claim.
Just file a claim with the other parties insurance company. You called the police and got an accident report, right?
Their is no such thing as full coverage in legal terms. What people refer to when they say that is Physical Damage Coverage for a vehicle. What physical damage coverage breaks down into 2 parts. Collision Coverage: Does include a deductible, covers the vehicle from damage resulting in a person being at-fault in an accident, and damage has occurred to the vehicle in which it has to be repaired or replaced. This does also protect the vehicle if an accident or damage results from a uninsured motorists or under insured motorists Comprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Remember, insurance company's insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.
It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.
There is no coverage at all for an accident to an insured either off property or on property. A Homeowners policy provides coverage for structures, personal property, additional living expenses due to loss, liability coverage and medical payments. There is coverage away from premises for insured personal property provided it is due to loss from a covered cause. Coverage is generally limited to 10% of coverage C and if it is theft, insured must be temporarily residing where the theft occurred. The liability coverage provided by the policy covers the insured away from premises. These all are general statements and there are exclusions so the policy should be consulted.
It would be considered a pointless and frivolous law suit. It s not possible under color of law to be liable to ones self. Your liability Insurance provides for coverage and defense from liabilities asserted by others. Not by ones self. Homeowners insurance is not designed or intended to replace a major medical insurance policy. If when you selected medical coverage when purchased your home insurance policy you could look to that portion of your policy for some coverage, although it is generally not sufficient to cover a serious injury. If you chose the economy route and did not opt for medical coverage then you'll need to rely on your health and medical insurance policy to cover accidental injuries regardless of where the injury occurred.
Wisconsin is home to several of the country's dairy producers. Drivers in the state not only have to deal with the dairy farms, but they also must deal with insurance rates that are sometimes higher than those in other states. The rates are regulated by the Financial Responsibility Law. Drivers must have a minimum amount of insurance that will cover other drivers who do not have insurance, as well as enough to cover personal and property damage. Anyone who drives a car in the state has a responsibility to pay for the expenses if they are involved in a car accident. If the amount is more than the coverage they have on their insurance policy, that money will be paid form the driver's own pocket. An important part to an insurance policy in the state is bodily injury liability. This coverage pays for any lost wages or medical bills that the other driver incurs after an accident. Expenses are paid even if the driver was someone in your home who was driving your car without your permission. A minimum of $25,000 is required for bodily liability. An amount of $50,000 is required if there is more than one person involved in a car accident. In the event that you want to let someone drive your car that is not on your insurance policy, you will be protected because the state requires that drivers carry uninsured motorist insurance. If you are in an accident and the other driver does not have insurance, then you will be covered under this part of your policy. You are also protected if there is an accident and the driver leaves the scene. The amounts of insurance coverage are only a minimum through the state. You can get more coverage if you feel you may need it. Parents who have teenage drivers may choose to carry more coverage while their children are living at home. Older individuals are another group that may want to consider having more coverage in the event of an accident. Most policies in the state only pay for medical expenses from an accident during the first year after the accident has occurred.
No, Homeowners Insurance does not provide personal injury coverage away from the home. You should file an accidental injury claim with your Health / medical Insurance provider.
DOL, or Date of Loss, indicates the calender date of an accident or the date that the loss occurred.
Many drivers who drive on New York roadways have questions about the Empire State's auto insurance requirements. This is not surprising because New York State is a "no-fault" state that allows people to recover damages for auto accidents without having to identify who was at fault for the accident. As a result, here is a handy consumer guide that can help drivers understand the minimum insurance requirements that are imposed on New Yorkers.New York drivers must purchase coverage from a licensed auto insurance provider.All auto insurance providers in New York must obtain a valid vendor's license from the New York State Insurance Department. Drivers may obtain a free copy of licensed auto insurance by visiting their local branch of the New York State Department of Motor Vehicles.New York drivers must purchase minimum bodily injury and property damage coverage.For example, drivers must obtain at least $50,000 of bodily injury liability insurance coverage to cover injuries sustained by each person who was injured during a single auto accident.. At least half of this amount must be set aside to cover the injuries sustained by one person who is injured in an accident. Moreover, New York drivers must also purchase $50,000 of personal injury coverage that cannot be combined with one's bodily injury liability insurance coverage.Drivers in New York must purchase at least $10,000 of property damage coverage.This coverage must include provisions for covering buildings and vehicles that were damaged in an accident. Moreover, the coverage must also provide provisions for property damage that was sustained by acts of vandalism or inclement weather.Drivers must also purchase uninsured driver insurance coverage.This coverage must provide at least $50,000 of liability and causality coverage for each accident that is the result of an uninsured driver's reckless behavior. Moreover, at least half of this coverage must be used to cover one person's injuries that occurred in the accident.New York State also requires auto insurance companies to report insurance gaps and claims.For example, New York State requires auto insurance companies to report immediately any policies that have expired. This provision was put in to place to prevent drivers from purchasing a policy and immediately cancelling it.Finally, auto insurance companies are also required to report any claims made by drivers for damages sustained in an auto accident. This provision was included to help drivers file claim requests for auto accident-related damages efficiently.For more details about these requirements, please visit the nearest branch of New York's Department of Motor Vehicles for a more detailed list of these requirements.
Technically, the policy lapsed. If a covered loss occurred before reinstatement, the insurer would arguably be justified in denying coverage. However, if the reinstatement was retroactive to the lapse date (which would probably occur if the reinstatement occurred quickly), and if you have been with the insured for some time, coverage may be extended to the intervening loss.
Suddenly an accident occurred.
If the accident was reported to the police at the time it occurred, I believe a report can be filed, although it should have been filed ASAP. Check with your insurance company and state regulations.
No, the accident occurred between the two parties, a police report is not necessary. Your insurance company can take the information regarding the accident. A police officer may write a citation based on the story that is told, but he cannot testify that he witnessed the accident so his involvement is generally useless.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
I am a licensed insurance agent; licensed in 45 states for 16 years. I sell animal liability insurance and have extensive insurance experience. First, a dog bite will never be covered if you buy insurance AFTER the bite has occurred. Second, you should always have a renter's insurance policy or homeowner's insurance policy, regardless of whether or not you own a dog. If your dog has no prior bite history, you will probably have coverage for a dog bite in the future. But you should always read your policy to be certain that coverage for animals or coverage for certain breeds of dog are not excluded. Third, if your dog cannot be covered by your renter's insurance or homeowner's insurance; you can always buy animal liability insurance to cover such unfortunate events.
New Jersey requires that drivers hold uninsured motorist insurance because of the number of drivers in the state who are on the roads without proper coverage. This type of insurance will cover the damages that are caused by another driver in an accident if that driver does not have insurance. Many insurers will also include coverage in the case of an underinsured driver who does have insurance but whose policy does not pay enough to cover the damages that are incurred. Uninsured motorist insurance will help to make up the difference in compensation between what a driver should receive and what the negligent individual can pay. It does not provide extra money above what the main insurance policy would normally pay. One of the key elements that can dictate whether a driver will receive money due to an accident with an uninsured driver is the issue of liability. New Jersey has comparative negligence laws in place. This means that the fault for an accident can be placed on more than one individual. The uninsured driver must be found to have a larger portion of negligence than the driver with insurance. If the policyholder is found to have the larger portion of fault in an accident then the uninsured motorist coverage will not be applicable. The actual definition for who is an uninsured driver in New Jersey is not always clear and can actually be applied to a broad range of individuals. A person is considered uninsured if they are not holding any liability coverage. A person can also be considered uninsured or underinsured if they have some form of liability coverage but the amount of the policy is not enough to pay for any damages that have been caused. Another definition for an uninsured motorist is a person who had insurance when the accident occurred but then subsequently had their claim denied so that no payments are made to the victim of the accident. Some situations can occur where the person who is at fault for an accident is not present after the accident or is completely unknown. Uninsured motorist insurance in New Jersey will pay for the damages that were caused by an anonymous individual if there is some evidence that the covered driver was not at fault. This can help a driver to regain the use of their vehicle quickly and pay for medical bills but can also lead to a long litigation process once the individual who caused the accident is found.
Bear in mind that most companies strictly prohibit coverage for homeowners who have a Trampoline. Generally when the Home Insurance Company discovers that you own a Trampoline they cancel your policy. whether an injury has occurred or not. If you have homeowners liability coverage, and you do not have a trampoline exclusion, then yes, liability would cover non-household members. Be prepared though to have your insurance cancelled.