Comprehensive coverage on your auto policy covers fire, theft, vandalism, broken glass, animal collision, hail damage, windstorms, etc. Collision covers hitting another vehicle or object or turning the vehicle over.
Collision
C. Comprehensive
Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care of the damages.
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.
you get what you are due....to put you and your vehicle in pre accident condition nothing more nothing less......
150000
typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........
Only if the other persons insurance covers anybody who drives the car.
Yes.Thats what full coverage covers
You will still be liable unless you can prove the vehicle failure was due to a recall problem or your mechanic did something wrong.
There are mainly two types of auto insurance policies. One is Package insurance(comprehensive) which covers economical loss sustined by the owner of the vehicle, upto the extent of IDV(Insured's Declared Value) upon happening of accident. Second is Third party insurance which is compulsory by motor vehicle act, 1938 which covers lost sustined by others by way of bodily injury/death, property damage due to accident of your vehicle. Third Party losses are measured by court of law. If a person dies due to accident of your vehicle, the liability of compensation is upon the owner which is transferred on the shoulder of insurance company by way of insurance contract(Policy). In contract of insurance, first party is insurance company, second party is insured and all other than these two are third parties.
Volvo is not liable for your death unless it is due to a deficiency or defect in the vehicle which is due to the fault of Volvo.