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if it there fault there insurance pays

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โˆ™ 2008-02-21 11:59:18
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Q: What happens when a person hits your uninsured parked car in front of your home they have full coverage?
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Would your car be covered if it is parked in your yard and is hit by an uninsured person under your full coverage?

If your "full" coverage includes Collision coverage then the answer is yes, or if you don't but do have Uninsured Motorist Property Damage coverage then the answer is also yes. I think some states have the UMPD listed seperately on the policy even if you have Collision coverage.


What is uninsured vehicle coverage?

Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.


Who is at fault if a person hits your parked uninsured car?

They are.


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 in California when a insured car with full coverage hits an uninsured car and totaled it?

There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.


What happens if a uninsured person hits your uninsured parked vehicle?

Depends on the state as far as I am aware but I think for the most part you are screwed if they are here illegally at least. If they are just uninsured but live here sue them and all should be fine... As long as you have there name and plate of course.... * You are never in the right to hit a parked vehicle nor rear end a car. FactPalooza.Com Interesting Facts. Thank You


What happens if you get into a car accident and the person who hits you does not have a license the car is not registered in their name and that they might be an illegal immigrant?

Find the person who owns the car and sue them, and hope that you have enough uninsured coverage to fix your car


What happens if you have car insurance but the person that hits you does not?

You can sue them in small claims court for your deserved money as long as you have proof of the damage. If you have Uninsured Motorist coverage, it will pay for the damage, minus any deductible.


What kind of insurance pays for a car accident you are in if the other person involved has no insurance?

Uninsured motorist coverage


If a car was parked in a lot and hit and the person did not leave a note or anything will your insurance cover it in California?

You would need to have Collision and or Uninsured Motorist Property Damage coverage for the vehicle in order for the insurance company to pay. You may also have to make a report to the business that owns and maintains the parking lot.


Will progressive insurance pay for your car damage that was caused while your car was parked legally in your apartment parking lot if the driver of the car did not have insurance but the person who ha?

You didn't complete your question so I will try to answer it as best I can. Any policy no matter what company it is will be the same if you have the same coverage. If the other party had no insurance on the vehicle then your uninsured motorist coverage will pay for your damage just as if they had coverage up to you limit of UM coverage. If the other person was using someone else's car and the car owner had coverage then his insurance will pay for the damages. Liability coverage follows the car generally. If your UM coverage has to pay for the damages, they will go after the car owner and the driver for reimbursement of the loss.


If you have full coverage insurance and a person who is not on the policy gets into an accident what happens?

It depends on the policy provider but my Allstate Insurance covers licensed drivers who drive my vehicle with my permission. Mine also covers me when I drive an uninsured car.


What happens if you get hit by a car who isn't insured and you only have liability?

Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property damage coverage on your policy. They only way you can recover is to take the person to court and get a judgement.


What does stacked insurance mean in Florida?

Stacked coverage means that you may combine your coverage limits for each automobile insured under your policy. For example, if you insure three cars and obtain stacked coverage with limits of $10,000 per person and $20,000 per accident for each auto. Your stacked, or combined, coverage will total $30,000 per person and $60,000 per accident. If the coverage was unstacked, then the limit of coverage for each vehicle would be $10,000 per person and $20,000 per accident.Stacked Uninsured Motorist Insurance is the best type of UM insurance to protect you and your family. Here is how Uninsured Motorist insurance works. It will pay for your damages if you get in an accident with an at-fault driver who does not have ANY Bodily Injury Insurance, which is called an Uninsured Motorist


What is a good place to get auto insurance in Illinois?

With regards to auto insurance, your best bet is to "shop around" as each company will offer different rates and discounts. There is a minimum coverage you must have (liability and uninsured motorist coverage). For liability it's $20,000 - injury or death of one person in an accident, $40,000 - injury or death of more than one person in an accident, and $15,000 - damage to property of another person. For uninsured motorist coverage it's $20,000 per person, $40,000 per accident.


Why get uninsured motorist insurance?

Because there are many people who are driving without insurance coverage in our nation. Far more than you realize. It is a stupid and reckless crime but it happens all the time. If you do not have uninsured motorist coverage you will be on your own to try and collect your damages from someone who has chosen not to pay for legally required insurance. How well do you think you will do on collecting from this type of person. Plus the insurance company pays for the legal fees involved in getting judgements and collection.


Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?

My insurance canceled uninsured person hits someone in rear what happens to me


At fault party of an accident lied to police about insurance who do you report this to so that they will have to pay fine?

You should call and report this to the police. Also, you should contact your insurance company and advise them about this. If you carry uninsured motorist coverage on your policy, and can prove to your company that the other person is uninsured, your company will pay to have your car repaired and send the bill to the uninsured person.


Is an uninsured friend covered by your full coverage insurance if you let them borrow your car in Ohio?

no No. The person who is borrowing the car must also have insurance.


If the person at fault does not have enough coverage then is this a good idea that go through your insurance for claim?

Yes. That is what your Uninsured/Underinsured Motorist coverage is for. Limits & conditions are very state & company specific.


Do you really need uninsured motorist coverage?

They always say you never need insurance until you have not got it! Insurance covers your risks, each person develops their own view regarding what risks are acceptable and what risks need doing something about. It is up to you to decide if you need uninsured driver cover. But if you decide not to take it and get hit by an uninsured driver, the only person to moan at (apart form the criminal uninsured driver) is yourself!.


What do I do first if i find that a car has hit my parked car and left note?

First call the person and get his or her insurance information, then call the insurer and file a property damage claim. If the person is uninsured you can file the claim with your own insurer.


What happens if an uninsured person has an auto accident?

As you failed to tke a insurance, you will have to pay from your pocket entirely.


Car insurance requirements for Kentucky?

No, Kentucky law requires you to have insurance that coverage the person/people/property that you hit. It does not require that you have coverage for your own self or vehicle. Uninsured motorist coverage takes care of any damage you receive from another driver who does not carry insurance.


What does stacked uninsured motorist coverage mean?

Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you have a claim (therefore doubling your coverage--$20,000 per person/$40,000 per accident). If you have 3 cars, you collect from all three vehicles (tripling coverage). Unstacked means separate and you only collect from the vehicle you are in at the time of the accident. Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium. If you only have one car--you want to choose unstacked. Otherwise you pay more with no additional benefit