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Minimum limits are 25/50/10 but you should really consider 100/300/100 or higher.

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โˆ™ 2009-11-28 21:34:07
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Q: What are the recommended levels of liability coverage for a driver in Washington state?
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You have liability insurance but no collision coverage and your car was hit by another driver will their insurance cover your damages?

Yes, if they accept liability and they will pay up to the limit of property damage coverage.


Does a commercial general liability policy also provide excess vehicular liability coverage beyond the coverage in the driver's separate mva policy?

No. A commercial liability policy specifically excludes liability arising out of the ownership, maintenance or use of a motor vehicle.


What type of insurance covers the other driver's car in a collision?

That would be liability coverage.


What if a driver in NJ hits your car with no insurance and you only have liability coverage?

Time to sue.


If a borrowed automobile only has liability coverage will full coverage pick up and pay for the damage?

If it only has liability, then it can't get full coverage benefits. If the driver has full coverage auto insurance, it may pick it up for the vehicle he's driving, but that tends to be rare.


What is Uninsured motorist protection?

Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.


What is nonowner auto liability insurance?

This is a type of auto liability coverage that can be purchased when the buyer does not own an automobile. While auto liability insurance is typically said to "follow the car", meaning that it correlates with a particular vehicle, non-owner's coverage "follows the driver". In that sense, it covers the driver irrespective of the vehicle he/she is driving.


Why is uninsured motorist coverage required in states that require liability coverage?

UM (uninsured motorist) coverage is not required in all states that require liability coverage. However, UM is an important coverage in auto insurance because it steps in and pays for your bodily injury (medical expense, lost wages, and pain & suffering) when you are injured by a hit-and-run, uninsured driver, or irresponsible driver who carries low liability coverage on their auto insurance. In another word, UM is a coverage for you and people in your car guarding against the risk of irresponsiblly insured drivers - and there are a lot of them out there.


What insurence covers the driver who is at fault?

Assuming that the at-fault driver maintained it at the time of the collision, his/her auto liability coverage would be triggered.


Will your car insurance cover the losses of the other car if driver of the other car has no license?

Yes, it will. The fact that the other driver had no license has nothing to do with coverage and liability.


Does drive other car coverage offer personal liability to driver of company vehicle?

No. Your personal auto Insurance Policy provides NO coverage for Company owned or commercial vehicles.


A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?

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).


Which auto insurance coverage pays for injury or damage that the insured driver causes to other people or their property?

Bodily injury liability and property damage liability should cover those.


What kind of car insurance pays for your injuries when you're in an accident in your car?

Three types of auto insurance come to mind: medical payments (or personal injury protection), liability coverage and under/uninsured motorist coverage. Med Pay is coverage that protects the occupants of a car and pays medical bills up to the amount of the med pay policy limits. Liability coverage is the car insurance that pays on behalf of the at-fault driver. This coverage makes a lump sum payment to the injured person who is not at fault. UM coverage is owned by the injured person and pays them in cases where the at-fault driver does not have any insurance or does not have enough liability coverage.


Does the Massachusetts DMV require me to have full MA car insurance coverage?

No, the Massachusetts DMV only requires that a driver have liability insurance.


What is the liability coverage for intentional damage?

Liability coverage is for damage caused where the driver is at fault in the accident. It specificall excludes intentioal acts. If you intentionally damage another vehicle or other property there generally is not coverage. This is because liability insurance of any type, not just auto coverage, is intended to cover only accidental occurrences. That said, there are circumstances where the linsurance may cover what might be considered intentional acts, but this relates mainly to self-defense.


If someone who has auto liability insurance borrows your car and wrecks it, would your vehicle loss be covered?

Generally speaking, the personal auto liability coverage follows the car, not the driver. The driver had your permission which in legal terms, means you agree and accept there may be consequences.


What is automobile liability insurance coverage?

Automobile liability insurance coverage is one of several types of autobile coverage. It is required by the law of most US jurisdictions in order to register a vehicle for operation on public highways. It is often also required to be shown as a condition of obtaining a driver's license. Automobile liability insurance is intended to cover the negligent acts or omissions of a driver in the operation of the covered motor vehicle. Depending upon whether it is property damage liability coverage, bodily injury liability coverage, or both, it generally covers the correlating kind of damage sustained by the person who was not at fault. In that sense, it is considered to be "third-party" coverage in that it does not pay for the damages sustained by the insured person. Another aspect of automobile liability coverage is that if the aggrieved party makes a claim against the insured, such as by filing suit, the liability insurer defends the insured by retaining an attorney to defend the insured. The insurer pays the attorney, but also has the right to control the defense, including by settling the claim.


If I have full coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?

Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.


Do I get a discount on my insurance for being a safe driver?

If you are a considering ALLSTATE, they will award a safe driver discount if you have carried the same liability coverage and been accident free for the last three years.


Do you have to have insurance to have a drivers license?

To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance. To be a licenced driver in the United States, you must have Liability insurance.


Does it cost more to exclude driver?

Having a person on your car insurance listed as an excluded driver can actually save money rather than cost more. The excluded driver will need no coverage or liability when it comes to the vehicle they are listed for.


Does liability insurance cover insurers car if other driver is uninsured?

No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company.


How much is liability insurance in Ohio?

It basically depends on the driver and the amount of liability coverage you need. You can get the state minimum or a little more depending on each persons situation (assets) I recently compared rates with lowinsurance.org, the cheapest liability coverage I found was just over $38 month. It really all comes down to your level of risk to thier pocket book.


In a vehicle accident with property damage whose insurance is responsible the driver's or the owner's?

The registered owner is only required to furnish liability insurance. If the owner does not have sufficient coverage (liability, comprehensive or collision), then the driver's policy would invoke as secondary coverage. It's not nice to borrow someones vehicle, wreck it and then claim ""not my responsibility". after all, you did borrow the vehicle.

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