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You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :

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โˆ™ 2016-07-21 05:03:32
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Q: What happens if the damages in an accident exceed the insurance coverage of the person at fault?
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What happens if an accident is your fault and you have have insurance?

When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.


What happens when your at fault in an accident but you can't pay for it?

Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.


If you have a car accident in someone else's car and they have full coverage will that cover the damages to the car you hit?

Usually, if the driver had the owner's permission to drive. What happens if the car is owned by the person that has the accident but the insurance is in your name? However you no longer want to be in that relationship or to have to pay that insurance?


What happens if you have a minor car accident and you have no insurance?

You pay for all damages if you were at fault, and get a citation and fine for not having insurance.


What happens if you hit an an uninsured motorists and you only have liability?

If the accident is your fault, your liability coverage will pay for the other person's damages. You will be out of luck as no coverage will be afforded for the damages to your vehicle or any injuries to you or your passengers.


What happens if the driver who is not at fault for an accident does not have insurance in California?

Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.


What happens if you get in a car accident the day before your coverage starts?

Then you where not covered. You are personally responsible for all damages you incurred unless the accident was not your fault. You should not have been driving a car without insurance. You now must pay for that mistake. Learn from it.


What do you do if your insurance lapses during an accident?

Your insurance is either valid on the day of your accident or it isn't. If you are asking what happens if the policy was valid on the day of the accident but lapses before the claim is settled then the coverage that was in effect the day of the accident still applies. If your policy was not in effect the day of the accident then coverage will not apply.


What happens when you get into a car accident and you do not have collision coverage?

You should be executed for stupidity (just kidding). You have to pay all damages yourself.


What happens if you are in an accident that is not your fault but you have no insurance or license?

you got to jail for not having insurance or a vaild license and you are personally liable for all the damages you caused.


What happens when you get hit by an uninsured driver who is completely at fault and he gets insurance the next day and wants to put it on insurance?

If the insurance is not valid on the day of the accident, there is no coverage.


What happens when you hit someone in a car accident then find out you don't have enough insurance to cover all their damages?

Once your insurance has paid, you are responsible for the rest.


If you have an accident with no car insurance in Pa what happens?

If you have an auto accident and you are found to be at fault, then if taken to court you can be liable for all damages. You could potentially lose everything that you have.


What happens if an excluded driver on your insurance policy cause an accident but you let them drive?

The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.


What happens if a guilty party cancel their car insurance after a claim has been submitted?

It would make no difference as long as they had coverage on the date and time of the accident. They can cancel the policy after the accident and coverage would still be provided.


What happens if you are driving an uninsured car and you get into an accident and it was not your fault?

The at-fault driver's insurance will pay for all property and bodily injury damages.


What happens if you have car insurance and you have an accident?

You call your insurance company and report it. if the accident is your fault, with very minor damage, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.


What happens if you have no insurance on a rental car and a signed driver gets into an accident who is responsible for the other cars damages?

It depends on the state the accident occurred in. In California the renter is responsible. Again this varies by the state of the accident.


If you let someone drive my car and they are not on my policy what happens if there is an accident?

You may find yourself exposed to costly personal liability. If you don't have adequate insurance coverage you will be liable to pay for any damages or injury above the limits of your coverage. If the driver doesn't have a valid driver's license your insurance company will refuse to pay for any damage caused by the accident. If you don't have collision coverage you will lose your car and have expense to pay.In general it is not a good idea to allow someone else to drive your car unless it is absolutely necessary, they are legally allowed to drive and you have full insurance coverage.


What is vehicle liability insurance?

Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.


What happens if you have no insurance and you were hit by someone with car insurance?

In ontario, The person that hits you's insurance has Accident benifits, and they will pay for your medical bills if they were at fault. But if you were drviing without insurance.. consider yourself screwed. Pretty much the same in most states in the U.S. If they were at fault their insurance may pay for your damages but you can still be fined for driving without coverage, license suspended or revoked etc.


What happens if you drive someone else's car with no insurance and get in an accident?

You are the one legally in the care, custody, and control of the vehicle and therefore are the one who will be cited for driving without insurance. This is just the beginning of your trouble though. If you were at fault, you are also responsible for the damages done in the accident which may include injuries and damages to the vehicle you hit.


What happens in a car accident if both cars involved do not have insurance and the car at fault was drunk driving?

If neither vehicle was insured you will have to sue the other party in order to collect any damages. Drunk driving is a contributing factor but really whichever party is at fault for any reason will be liable to the other party. The bad news is that if the person did not have insurance the probably don't have assets to pay the damages. This is why you need insurance and uninsured motorists coverage.


What happens if a car accident was not your fault but you were driving and you are not on the policy and the car is insured by full coverage insurance?

ANSWERYou should be OK, as long as, you had permission to drive that vehicle. In any case since you were not at fault, the other driver's insurance co. is financially responsible for all damages. However, in some other cases, it is recommendable to review the policy of the car you were driving, in case the other vehicle had a liability coverage only.


What happens if you cause a car accident and you have no car insurance?

You could be liable for all damages to the vehicles. You can be responsible for any medical bills incurred. You will most probably receive a traffic citation for the accident and failure to maintain insurance coverage. You can be sued by the person you hit for any number of things from medical bills to loss of work due to injuries or loss of a vehicle or mental stress. You will learn that insurance is not something that you can let lapse.