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What should i do if i got in an accident and other person has no insurance i only have liability?
Wiki User
∙ 17y ago
Most policies match your bodily injury per person/per accident liability limit w/an uninsured/underinsured motorist coverage. In other words if you were hurt, check with your agent for uninsured/underinsured coverage provided by your policy. Your liability limits will be divided by slash marks. If your limits are 100/300/100, you probably have 100,000 per person/ 300,000 per accident coverage for yourself. If not, get a new agent. Well if you're At Fault your insurance will cover their damages. If police are called they will be cited and their license can be suspended for one year. However, that is between them and the police. Your damages will not be covered since your coverage type only covers other cars. If you are hit and they have no insurance, your only real option is to sue them and hope for the best.
Wiki User
∙ 17y ago
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What is covered in a commercial liability insurance?
Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.
How can I find out if soomeone has auto insurance?
If you have had an accident with this person then his insurance information should be present on the accident report. If you have no claim on this person's auto insurance then it is not your business whether or not he has insurance.
If your car was in an accident and the other person driving was at fault. Who's insurance should pay for your car damage?
the insurance of the person responsible for the accident
Should I get liability insurance?
Yes because if you get into a car accident you wont be paying for the other cars damages out of your pocket. Your insurance would cover any expenses for the person who was hit and you wont have to worry about paying all the fees.
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage attached to it. Therefore, their insurance should pay any medical bills you may be charged for.
If your 18 year old unlicensed son drives an insured car with the owner's permission and an accident occurs does their insurance cover it and what is your liability since he is 18 you live in CA?
The insurance policy on the vehicle should still apply. Since the person responsible for the accident is 18 the liability should end with the 18 year old but I am not a lawyer and don't live in CA so I can't say for sure that I am accurate.
Handle the insurance after a hit and run and did not see driver but have licence plate number but only have liability insdurance?
Car insurance in general is not built for you when you are not at fault in an accident. You should complete a police report and and contact an attorney to help sue the at-fault party. If you have just liability you are not paying your insurance company for help in this matter. Liability pays for the damage you cause when you are at-fault in an accident.
If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
What does the insurance do when you are still paying on a truck and someone hits you and it gets totaled?
If the person who hit you is the one at fault in the accident, then their insurance should cover the cost of the damages to your truck. If they don't have insurance, or if they don't have enough to cover all of the costs, then yours should kick in and cover the balance if you have full coverage and not just liability insurance.
Are passengers in your car covered by your bodily injury liability insurance?
passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance
Should I pay for auto accident out of pocket?
No way! Do you have insurance? Does the other person? Who's fault? trade insurance info with the other person.
What are the drawbacks of a Home Owners Association dropping liability insurance?
Without liability insurance, should there be any accident on the property, the association will be liable to pay for defending the claim, and potentially the claim for damages.Often the trade-off between liability insurance premiums and the hourly rate for defense attorneys indicate the it's less expensive to pay the liability insurance premiums.Your governing documents will help you define your requirement as an association insofar as carrying liability insurance is concerned. Usually, carrying it is mandatory.
