answersLogoWhite

0


Best Answer
Copy

That would be comprehensive coverage.

Anonymous is wrong! It would be collision. It doesn't matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim.

If your car is hit, then, yes, collision insurance covers it, but the *other driver's* collision. In the event that the other driver does not have or does not have enough collision insurance, you will need uninsured/underinsured motorist covered to pay for your loss, which, by the way, also pays for your loss if your car was hit in the parking lot and the other driver took off (i.e., hit-and-run).

Comprehensive coverage will take care of this in NY. Vandalism

I am a experienced agent for a large company, if the driver does not turn himself in to you it would be covered under the comprehensive portion of your contract. (and would be considered vandalism).if the driver stays and his company pays the expense it would be covered under collison on his policy.

2015-07-17 17:31:58
This answer is:
πŸ€“
🀯
πŸ€”
User Avatar

Your Answer

Loading...
Still have questions?
imp

Related Questions

If your 17 year old does not live with you and drives your car do you have to add him to the policy?

If you want him to have insurance cover in the event of an accident you should add him to your policy. Any body that is not on your insurance policy should NOT drive your car, if they have an accident you'll have big problems.


Does insurance cover mandatory basement remodeling?

Your policy may or may not have coverage for mold related issues. This is something to check when you buy a policy as the insurance companies try to avoid having to pay for mold problems which can be very expensive. Standard home insurance policies do not cover mandatory basement remodeling, unless the basement is damaged from an event (e.g. flooding) covered by the policy


In the event of a dental emergency, can your insurance cover your care?

Most insurance companies do cover emergency dental care.


What is funeral insurance?

A funeral insurance is a policy that in the event of your death, the insurance company pays all expenses for your funeral.


Choosing a Homeowner Insurance Policy?

One of the most overlooked aspects of owning a home is getting a good homeowner insurance policy. A good policy is essential as it will protect you and your assets in the event that your home is damaged, vandalized, or robbed. In fact, it is so important, that most banks require their borrowers to have a good homeowner insurance policy. When putting your homeowner insurance policy together, there are several factors that you should consider. When you choose a new homeowner insurance policy, one factor that you must consider is the location of your home and the natural threats that come along with your location. Regardless of where your home is located, you are likely in an area that has at least some threat of natural disaster. Whether this threat is a tornado, hurricane, earthquake, or flood, you need to ensure that your homeowner insurance policy provides you protection against it. If your policy will not cover it, then you will need to take out a special policy to cover against the natural disaster. As you choose a homeowner insurance policy, you also need to consider your personal assets that the plan will need to cover in the event of casualty, theft, or damage. When you fill out an application, you will estimate how much your personal items are worth, and from there you will receive a certain level of coverage, which will be used to cover the replacement cost of your items. However, this may not cover certain expensive items. If you have valuable personal items, such as expensive jewelry or art, you may need to have a separate rider policy to cover those items. When choosing an insurance company for your new homeowner insurance coverage, you should consider using the same company that you use for another insurance service. Most insurance companies provide their customers with the chance to take advantage of multi-policy discounts. With a multi-policy discount, you can save a lot of money if combine your homeowner policy with another insurance policy, such as your auto insurance policy.


What kind of liability insurance would you need for an outdoor production of a play?

You can get what's called a Special Event Policy which is a policy for one specific event only. Prices begin at $150 and you can get the policy from any independent insurance agent.


Purchasing The Right Type Of Building Insurance?

When you are purchasing building insurance for your commercial property, verify what type of insurance policy you are buying. Will the policy cover inside damage caused by renters, or is it for structural and outside damage only? Does the policy cover "Acts of God," or will you need to purchase a rider for wind, storm or water damage? Are you covered in the event of an injury on the property that is outside of the rental space? These are all very important questions that you must ask your insurance agent to ensure that you have proper coverage. Many base policies will cover just that � the basics, leaving you in a bind should any other event occur.


What kind of things does event liability insurance cover?

Event liability insurance can cover against various delays and unforseen circumstances out of anyone's control. It can cover cancellation, weather, and transmission interuption among other things.


Is permanent life insurance the same as whole life insurance?

Technically, there is no insurance policy called as permanent life insurance. However, you can treat whole life insurance policy as permanent since the policy covered the whole life span of the policy holder and benefit is payable to nominee in the event of any eventuality of the policy holder.


What is 'after the event' insurance used to cover?

'After the Event', or ATE, insurance is usually purchased by solicitors on behalf of their clients. It is usually taken out after an 'accident' or 'event' has taken place but before any legal expenses are incurred. 'After the Event' insurance is taken out to cover the cost that must be paid by the Claimant if their claim is unsuccessful.


What kind of insurance would cover a mortgage in the event of a spousal death?

Credit life insurance, Mortgage insurance, or decreasing term insurance.


What does special event insurance usually cover?

It varies from policy to policy and what kind of event it applies to, but generally covers costs incurred for an event that gets canceled. That cancellation might be a bride or groom calling of the wedding or a storm coming into town and making a reunion impossible to hold or a venue or vendor closing shop unexpectedly.


Will my united states auto insurance work in another country?

Speaking generally No. You will normally have to tell your insurance company where you want to drive and purchase extra cover for this. You may however have purchased a policy that does cover foreign driving - In any event it is best to contact your insurance company and tell them what you intend, you will then know exactly where you stand.


What is no risk no fault insurance?

In fact, term insurance policies can be called no risk no fault insurance, as no claim is payable during the tenure of the policy and only in the event of death of the policy holder, claim is payable to the nominated person of the policy.


What if you don't have homeowners insurance?

If you don't carry homeowners insurance and you have your home financed, you are breaking the contract and your bank will take out a forced place policy to cover their interest in the home and you will have to pay the premium which is far more than a homeowners policy. If it's not financed, you take the entire risk of loss upon yourself.


What does liability insurance cover?

The term "Liability" means anything you are libal for. The best way to put it is the liability section of an insurance policy covers other people's bodies and stuff, in the event you harm either of those things. The medical and car repair bills for anyone else involved in an accident you caused


Does homeowners insurance cover a car stolen off your property?

No, Never. An auto theft would have to be covered by the vehicle owners comprehensive auto insurance policy. A homeowners Insurance policy is not liable for the theft of a vehicle. that's what Auto Insurance is for. If an Auto Owner chooses not to purchase a Comprehensive auto Insurance Policy then they assume the risk of a total loss in the event of a theft. The vehicle owner can not seek to shift liability to another person simply because it was on their property when the vehicle was stolen. If this were the case then every time a car is stolen from the parking lot of a store or shopping mall people would expect that business or property owner to pay for their loss.


What is the difference between health insurance policy and Critical illness policy?

A Health Insurance policy is a reimbursement of the medical expenses. Well Critical illness insurance is a benefit policy. Under a benefit policy upon the occurrence of an event, the insurance company pays the policyholder a lump sum amount. Under a Critical Illness policy, if the insured is diagnosed with any critical illness as specified in the policy.


Does motor breakdown insurance only cover a motor breakdown?

Motor breakdown insurance is specifically designed to cover a motor breakdown. However, in the event of a motor breakdown, this insurance will also cover roadside assistance and alternative transport.


Would a General liability policy afford coverage to cars parked in a parking lot during insured's event at a school?

If you purchased the proper coverage including coverage for the parking lot service then yes it would cover certain damages that you may be held liable for. If your insurer was unaware of this part of your operation then there is likely no coverage for it as it would not have known to schedule it on your policy.


Will life insurance pay in the event of a car accident?

There are very few exclusions in a life insurance policy so it should.


Is there any way to get accidental death insurance to pay in the event of suicide?

No. No insurance policy covers death in case of suicide.


Can your beneficiary collect benefits from your insurance policy if you commit suicide?

Your beneficiary can collect benefits from your insurance policy if you commit suicide if, 1. Your policy provisions for payout in the event of suicide. 2. Your waiting period has been satisfied if stipulated by your insurance carrier and policy. Read your policy carefully and contact your policy carrier for assistance and clarity as it relates to your policy.


What does medical claim mean?

A medical claim is the application for compensation against a health insurance policy or against another's liability insurance policy for the covered portion of a covered event.


How much intrest does a life insurance policy build after death?

In n0rmal cases, the Nominee of a life insurance policy is entitled to 100% death benefit in the event of the Insured's eventuality.