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When you have comprehensive coverage only, that is the full extent of the coverage provided by the insurer. That said, it is generally sold and purchased in conjunction with collision coverage.
Comprehensive coverage usually affords protection for events that are not a result of a collision between the insured vehicle and another object--events such as a tree falling on the vehicle, someone scraping the finish of the car with a key, or other forms of vandalism. In all events, it is distinct from collision coverage, which contemplates an impact between the insured vehicle and another object. It is property damage coverage only, and pays nothing toward bodily injury or medical expenses, nor does it afford any sort of liability (indemnity) benefits.
If the vehicle is financed, the lender will generally require that both collision and comprehensive coverages be maintained so as to preserve the value of the collateral (by having a source of funds with which to repair the vehcile).
What else can I help you with?
Can you have umpd coverage if you only carry liability insurance?
Sure. You will ahve to purchase UMBI and UMPD as they only come together but thst shouldn't be an issue. You don't have to have Comprehensive and Collision or any other coverages in order to get Uninsured Motorists coverage. I firmly recommend UM to all my clients whether or not they have any other coverages other than liability. You cannot purchase limits of uninsured motorists coverage that are higher than your liability coverages.
Does structure only insurance have any liability coverage?
If you purchase liability coverage on the dwelling policy then yes it will have liability coverage. If you only wanted the minimum price with no extra coverage that's what you get. Make sure you purchase the coverage you want when you talk with an agent. Dwelling coverage is used in situations when you own a home that you don't live in such as a rental property or if it does not qualify for a homeowners policy for some reason. You can add coverage for liability, contents, and many other additional coverages.
Does car insurance pays for windhield if customer only have Pip and pd coverage?
No. You would need comprehensive coverage for the policy to pay for windshield damage on a vehicle.
Why am I not covered for snowstorm damages after I switched insurance?
There are different coverages under an auto insurance policy like the liablity coverage,-(PPI) comprehensive coverage and collision. You switched the insurance and so the new car has only the coverage which you had opted for in your old car which might have been only the liablity - mandatory coverage. Thus technically you had insuracne coverage sufficent to abide to your state rules but your car was not covered for own damges of comprehnsive damage to the car. Hence the insurance company is saying that you do not have coverage. Please check your insurance coverage when you buy a new car and upgrade the same.
Is trailer frame and structeral damage included in physical damage insurance coverage?
Only if the trailer is listed on the policy with comprehensive or collision coverage. Many people do not list their trailers on their auto policy because the liability transfers from the pulling vehicle. The physical damage coverage does not.
Does Texas liability insurance cover if the two cars involved in the accident are register under the same persons name?
Here is the problem with that,"It is not legally possible to be liable to ones self"So no, liability only coverage will not cover damage to your own property, That's what the comprehensive and collision coverage is offered to you for when you purchase your auto insurance. Comp and Collision provides coverage for your own property, Liability provides coverage for property and injury of others.If you bought liability only, there is no coverage for your own property.Answer:It should, and if it doesn't, there should be other parts of the policy that can pay out. Coverages such as uninsured motorists or medical payments.
What is the difference between comprehensive and third party insurance?
Comprehensive coverage is covers the interests of the named insured. A third party insurance policy will not cover you. It only covers the interests of that named third party insured.
Coverage if your car fallw through ice?
Yes, under the comprehensive coverage if you have it. No, if it is liability only.
Would rim damage be covered under auto insurance?
Only if it were damaged in a 'covered loss.' A covered loss would be a collision or other loss that would be covered under comprehensive (such as vandalism). You would need those coverages on your policy.
How long do I have to add new vehicle to auto insurance policy in Texas?
You need to be very careful about this as different companies have different time periods of automatic coverage for new autos purchased. Many companies have no coverage at all for new purchases. Even if you company does offer automatic coverage it is only the coverage on your present vehicle. If you only have one car on your insurance with liability only and you trade it in on a new car that you finance, you will only have liability coverage on this car until you make the change. It is best to add the new vehicle and coverages before you drive off the lot.
Will liability cover if you hit a deer?
If you hit a deer, coverage is found in your auto policy in the "Other than collision" or comprehensive coverage section for damage to your covered auto. Liability is available only for third parties that you injure due to negligence.
Can you have multiple car insurance policies?
No, unless the "second" one is an umbrella policy. Such a policy can provide liability coverage over and above that provided by the primary liability limits of the underlying policy. As far as collision, comprehensive, medical payments coverage is concerned, only one policy can be maintained. This is because insurance is not a money-making proposition. It is designed and intended to indemnify the insured for a financial loss.
