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It would depend on which state you reside in to determine the exact answer to your question, however

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โˆ™ 2005-09-06 21:32:26
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Q: Who is responsible for damages to your vehicle if a friend was driving and hit a telephone pole and he has only liability insurance?
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Does auto insurance cover telephone pole damage or replacement?

Yes, The liability portion of your auto insurance policy will cover the damages you may do to a telephone pole in an accident.


If a friend borrows your car and gets in an accident does your auto insurance cover damages?

Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.


What does Negligence Liability involve?

Negligence liability involves getting insurance for situations where one makes a mistake and one is responsible for damages. One can get negligence liability from insurance companies like All State.


In Michigan if you are in an accident not at fault and have liability insurance only is the driver at fault responsible for damages to your car?

yes


How is auto liability insurance different from comprehensive insurance?

Liability insurance only covers someone else in the case that you are responsible for damages caused in a collision. Comprehensive coverage will cover a driver that you hit, as well as cover yourself for any damages inflicted during a collision.


What exactly is general liability?

General liability means that your friend has been found responsible for something. Liability is usually an insurance term, it means they pay for damages to other peoples property or self.


Why does anyone need liability insurace?

Liability insurance would pay if you were liable (responsible) for damages. For example, most automobile insurance includes liability insurance, for when you are responsible for damage to someone else's vehicle. Generally, liability insurance allows you to pay a fixed, relatively small amount on a regular basis, rather than suddenly and unexpectedly having to pay a very large amount all at once.


What financial law requires owners and operators of motor vehicles to be financially responsible for damages they cause when in a crash?

Every state has their own laws covering insurance and liability for damages.


Does liability insurance cover a stolen car?

Liability Insurance and the Stolen VehicleNo, Liability Insurance provides coverage for damages or injuries that we cause to others. It does not provide coverage for our own vehicle damages or theft.


Who will be responsible if your parked car hit by a stolen car and you only have liability insurance?

It depends on the state, but at least where I live, the insurance of the stolen car pays for damages. Check it out with your insurance agent. He/she should be able to give you that information, even if your liability won't cover it.


What does liability insurance protect against?

You can be sued for injuring someone, even unintentionally (as when someone gets hurt on your property). Then you are liable for damages. Liability insurance pays the damages if you lose a lawsuit.


What is the difference between Non Trucking Liability insurance and Bobtail Insurance?

your not covered for damages


Why is liability an especially important type of car insurance?

Liability insurance is an especially important type of car insurance because it covers damages that are your (the driver) fault.


What is homeowners liability insurance for?

The liability portion of your home insurance policy provides protection in the event someone asserts a claim of liability against the homeowner for damages or injuries.


What does auto collision insurance mean?

Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.


What does collision auto insurance mean?

Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.


In Florida who is responsible if a dead tree falls from a vacant lot onto my property and damages my home and my insurance deductible is 1000 and damages were 300?

The owner of the vacant lot is responsible for the $300 worth of damage. Liability does not depend on whether the lot has improvements or not.


What car damages are covered under the cheap car insurance cover?

The only car damages covered under the cheap car insurance coverage is liability insurance. Damages are usually covered up to $5,000.00 for the cheapest automobile coverage available. Liability covers physical damage. Most cheap car insurances do not cover car damages.


Who is responsible for damages if you are not insured driving someone else vehichle?

The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.


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.


Your son who has a car and his own car insurance used your car for the weekend he was in a accident the fault so far lies with the other driver whose insurance is responsible for the damages to your c?

The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.


Damage to property cause owners neglect?

Property damage is covered by a property liability insurance package. This applies to all incidents in which an automobile causes damage to another person's property such as a fence or house. If you do not have property liability insurance, the driver is responsible for covering the damages out of pocket.


If you borrow a friends car and wreck it will your liability insurance cover the damages?

depends on your insurance plan, call your adjuster.


What is the difference between liability insurance and full coverage?

Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.


What kind of protection does auto insurance give?

Liability insurance financially protects a driver who is not a fault in an accident by paying for damages. It will protect the driver who is at fault from being sued for damages.

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