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My car was hit while being parked do i have to have insurance for it to be fixed Or does the person that hit my car insurance pay for the damages?

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2008-07-13 21:02:59
2008-07-13 21:02:59

The other person pays.

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Liability insurance financially protects a driver who is not a fault in an accident by paying for damages. It will protect the driver who is at fault from being sued for damages.


No, assuming you live in a state where insurance is required. A condition of being on a street, whether driving or parked is that you will have the vehicle properly registered including carrying insurance.


Insurance companies grant money to correct issues from claims. If a person receives money to replace a roof from an insurance company, the money should be used for the repair. If a person decides to not use the money to replace the roof, there could be issues selling the home. The value of the home could decrease. Another issue a person may encounter is the risk of other damages resulting from the roof not being repaired. The insurance company may not cover damages to the home as a result of the roof not being replaced.


Insurance is based on liability. In other words the person who is at fault must pay for any damage caused. It makes no difference whether the at-fault driver crashes into an animal, a person, a parked car, a moving vehicle or even a wall or some street furniture. The problem in most cases is (1) finding the person responsible and (2) recovering the money if they are not covered by insurance. Trying to prove it is the first step.


You will be cited for driving without insurance and the other driver being at fault, him and his insurance are still liable for damages.


Nonone If the car is legally parked and the door is being closed, it is the car that hit it's fault, or rather the person driving that car. If the door was being opened, it is the person opening the door.


If can only be proved when it is being touch by the one who damage your car and leave some fingerprints in it. In that way the police can trace that person who owns that fingerprint and can conclude that he's the one who's responsible on damaging your car.


Homeowner insurance claims are paid to the policy holder, in a condo and the damages are being reimbursed by the association the deed and title holder gets the refund



It is being parked at the shore using an anchor or tied with a rope.


Yes, there is no bar in the insured person being beneficiary on another insurance policy.


Yes. If the claim is being made on your insurance. For example, if the damages are $2000 and there is a $500 deductible, the insurance company will pay $1500.



Various state laws may limit what type of damages you can collect. Also, when you do start to shop for a policy your rates will be higher. In a no-fault state, each driver must seek compensation from their own insurer and your ability to sue for damages is limited.


I was rear ended a while ago by a person who was renting a vehicle. She had insurance on the rental and her own vehicle through Safe Auto. Hopefully you exchanged info. with the person that rear ended you! In my case, we exchanged info. Her insurance called me but had told me that since she had rental insurance that the rental place would cover the damages to my vehicle. That was a lie on Safe Auto's behalf. Safe Auto was liable for the damages to my vehicle and after getting on them about my claim through them, I was finally reimbursed. Point being that the claim should be filed through their (the person that rear ended you) insurance company. If you didn't get any of the other person's info. then I would suggest talking with your own insurance company.


Yes. The car created a traffic hazard. The person who parked the car is responsible for any accident that occurred as a result.


That is entirely up to you and the other party. If they will sign off on the payment as being complete, there is no requirement to file a claim.


the person being chased can be held responsible in most cases, some states have no fault insurance contact your insurer. Added: Although the original contributor is not incorrect, actually, there is insufficient information given to answer. Damages to WHAT? Caused by WHO??


Depends, if a tree falls on your car and you pay for damages yourself then no. If another party is involved in the accident then yes. The reason being is even if you don't report your damages on your insurance the other party may report to theirs. The data from the accident is then reported into the CLUE insurance database and will cause your rates to raise since the database 'sees' that you were involved in an accident. Bottom line, it's best to report to your insurance yourself and let them pay out since you're going to feel the pinch anyway.



Not in Canada. If your license is suspended, then any insurance claim that resulted from you driving while suspended would not be covered. If the car was damaged and it was parked and not being operated, then that is covered. But not if you are driving it.


The answer is basically no. The landlord is never responsible for damages to personal property belonging to tenants in any dwelling or structure. That is why you are strongly encouraged to get renters insurance. In some cases you may have some recourse if the landlord knew of the problem. But if you get renters insurance be insurance company can determine that for you and they can seek damages from the landlord.


Yes the dealerships insurance company is most likely to pay for the damages, but you will more than likely be responsible for the excess for it. However if you were breaking the law when this accident happened you may be liable for the whole bill.


Yes, if their vehicle was legally parked (or even it were not), and you hit their vehicle. The fact they are uninsured does not obsolve you from your responsiblity to pay for the damages that your negligence caused. That being said, if it were an old car, they may just not care about the damage. I'm sure you have discussed this with them, and provided your insurance information, or offered to pay out of pocket for their damage, so surely they will give you an answer soon.



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