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What can you do if you have only liability insurance and your parked car is hit by an unknown driver?
Wiki User
∙ 20y ago
Unles your daughter has collision or UMPD coverage on her policy, there's nothing the insurance carrier can do for you. In a case like this, it really does come down to "you get what you pay for." If a premium wasn't paid to the carrier for the collision or UMPD coverage, they can't help. By not carrying collision or UMPD coverage on the car, it's assumed that your daughter understands she will be paying out-of-pocket for any damage to her car.
Wiki User
∙ 20y ago
Wiki User
∙ 8y agoThere is not really much you can do if the hit and run driver can not be located. This is the risk we take when we opt for minimum coverage.
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What happens if a fully insured driver admits fault for hitting a parked vehicle but the other driver involved in the accident had no license insurance or registration?
If the other vehicle was parked, there was no other driver to have license, insurance or registration. The driver who hit the parked vehicle is at fault and is liable for all damages to the parked vehicle.
Will an insured driver liability cover intentional damages to uninsured car that is parked?
Yes, as long as the car is parked on private property. Cars stored on private property and not "in service" are the same as any other property, If the insured runs into your parked car our your house the insurance will pay. That's not quite correct. If the damage was intentional, meaning that the driver of the insured car deliberately struck the uninsured parked car, then the at fault driver's insurance will NOT pay because of a clause in the policy that excludes coverage for 'intentional acts' like criminal activity (which is what this is). So the parked car's owner would have to pursue a civil case against the at fault driver and try to collect against their personal assets.
What do you do if you have auto insurance and you hit a parked car whose driver does not have auto insurance?
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
What if you only have PL PD on your car and while its parked it gets hit by a drunk driver with no insurance in the state of michigan?
That means that you have liability coverage only, which does not cover your damages. If the other driver is uninsured, the only option left is, to take him to court and sue him for your damages.
How does no fault auto insurance work if you hit a parked car?
No Fault insurance ONLY deals with medical injuries to you if you are driving. No Fault has nothing to do with property damage liability. If you hit a parked car, then your Property Damage Liability coverage would pay to repair the parked car and your own Collision coverage (if you have it...it's optional) would pay to repair your car.
Who will be responsible if your parked car hit by a stolen car and you only have liability insurance?
It depends on the state, but at least where I live, the insurance of the stolen car pays for damages. Check it out with your insurance agent. He/she should be able to give you that information, even if your liability won't cover it.
The driver of a rented Uhaul hits a parked car and leaves a not but the other driver does not call until two weeks later what can be done?
There are two ways to deal with this: 1. If the renter of the Uhaul purchased collision and liability insurance at the time of rental, then he needs to file a claim with Uhaul. Their insurance company will take care of it. 2. If the renter did NOT purchase Uhaul's insurance, then the driver is responsible and his personal collision insurance should take care of you. If the driver has no insurance, your other option is to take them to civil court or small claims court to recoup the cost of the damages.
Will you receive points on your insurance If you hit a parked car on private property?
If you or the other driver makes a claim yes.
What do you ask the insurance company for if your car was hit while parked?
If your car was hit while parked and the other driver drove off, then you ask for payment under your collision coverage.
Who pays when a parked car is hit in a private car park?
AnswerAs long as your vehicle was parked legally and you were able to obtain the other vehicle's insurance info, the driver of the other vehicle's insurance co. is resposible for all your damages.
What should you do if you run into an illegally parked car backing out of your driveway and you only have liability insurance and the hit vehicle already had damage to the same area?
Let your insurance company handle it. They do it all the time.
Who is at fault if a car leaving a parking space strikes a car that is illegally parked in a driving lane?
The driver of the moving vehicle. It's impossible to assess liability to an inanimate object (in this case, a parked car). And, certainly, it's aggravating when an illegally parked car is blocking the way. That's probably why it's illegal to park there, anyway. But... 1. It doesn't give someone the right to hit the parked car and, 2. A person operating a vehicle has a greater duty to make sure the way is clear. Recently, one of the larger insurance companies has been assessing liability to the owners of parked vehicles (for instance, a vehicle that has broken down and is, for all practical purposes, parked illegally on the side of the road or blocking traffic). To date, that company hasn't won a single arbitration to support such a liability decision.
