If you were injured in the collision, and have health insurance, one option is to seek medical care and submit the claims to the health insurance insurer.
Even if you were not hurt, you could make a claim against the at-fault driver and the owner of that car. If you were hurt, keep in mind that most States limit claims against At Fault parties to cases in which you, the injured party, sustained a permanent injury. Permanency is determined by the treating physician(s).
The insurance status of the victim's vehicle is irrelevant. The at-fault insurance company will pay for your damages whether your car is insured or not.
In this state, a no fault state, full coverage insurance covers the other vehicle if you are at fault.
If the other party was clearly at fault in hitting your vehicle then their insurance will pay for the damage to your vehicle. The key is that it is their fault. The way you word the question you don't state that they were at fault but that they hit your car. If it is determined that they were at fault then their insurance pays, if you were at fault then your insurance pays.
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be at fault.
Discount no fault automobile insurance can be found both locally and on the web for those looking for a cheap alternative to pricey coverage. Sites like Netquote and No Fault Insurance Quotes are both options for finding local options.
The vehicle at fault would normally use their insurance. If their insurance does not cover the damage or the police considered the accident a non fault, the car stopped at the light will have to pay for their own vehicle.
Auto liability insurance covers physical damage to the other vehicle if you are at fault. It also covers injuries for parties in the other vehicle when the accident was your fault. It does not provide any coverage for your vehicle, you, or passengers.
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Kathleen Shea Swendiman has written: 'No-fault vehicle insurance' -- subject(s): Automobile Insurance, Insurance, Automobile, Insurance, Liability, Insurance, No-fault automobile, Liability Insurance
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