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Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be At Fault.

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โˆ™ 2005-10-17 21:08:27
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Q: Why is it your fault if you have no collision insurance?
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Related questions

Will your car insurance fix your car if its your fault?

If you have collision insurance.


What insurance covers the driver who is at fault?

Their own insurance would cover it if they had collision insurance.


What if you were in a car accident and it was not your fault but you had no collision?

If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.


If you hit someone with no-fault insurance will your car be fixed?

The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.


Who or what insurance company pays for the collision damages to the automobile belonging to the person not at fault?

The other person's insurance covers damamge if it was their fault.


Is collision car insurance required by law?

Yes collision insurance is in fact required by law. This will protect the other person if you are at fault for an accident.


What does collision mean in economics?

The term collision in insurance covers the cost of damage to a car that is the fault of the insured. Collision insurance does not cover any damage caused from vandalism or theft.


Does no-fault insurance have any responsibility for auto repairs?

No-Fault insurance has everything to do with repairs. In the case of fault or not-at-fault, your car is covered, providing you carry collision and comprehensive coverage on your policy.


What does collision insurance cover?

It covers damage to your vehicle resulting from an at fault collision with another vehicle or object.


What does liability insurance protects you against?

claims if you're at fault in a collision


What does collision coverage What does collision coverage?

In automobile insurance, collision coverage provides for repairing a vehicle when it is damaged due to the fault of the insured. Liability insurance provides for cost of repair of the OTHER vehicle if you damaged it.


What does Liability insurance protect you against?

claims if you are at fault in a collision.


Can you still collect on your own insurance without paying the deductible after an accident.?

If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.


You have no collision coverage and was hit by another car what can you do?

Collision coverage covers accidents you are at fault for. Their insurance should pay for any damages to your vehicle.


In Texas whose at fault in a rear-end collision?

Usually the person in back, but the police will do an investigation as well as the insurance company to determine fault.


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.


Had a collision other party fault can the ins co ask you to pay deductible?

If you had a collision and the other party does not have insurance, you would have to pay the deductible. Your insurance company would pay for any needed repairs.


Does insurance cover in a dwi wreck?

It does cover your liability for property damage and medical expenses if you were at fault. If you have collision insurance, your vehicle will also be covered.


What does broadened collision auto insurance cover?

Covers medical expensives for you and passengers, will cover damages if other driver who is at fault doesnt have insurance.


If you have PLPD and are involved in an accident does their insurance cover your car?

If the other party has insurance then their "property damage" coverage should cover damage to your vehicle. If you happen to be at fault or there is some question as to who is at fault then it might be hard to collect from their insurance company. Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver's insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.


Will the other insurance company pay for my damages if i don't have collision and it was not my fault?

It should if they have property damage liability.


What will collision insurance cover in the event of an accident?

Collision insurance will cover any damages to your vehicle (or refund you the value of the car in the event that it becomes totaled) in the event of an accident. Collision insurance coverage typically only applies when you are the at-fault driver in the accident. Collision coverage covers any sort of collision whether it be with another car, a pot hole, a tree, a guard rail, a ditch, etc.


In a collision an uninsured motorist was at fault who pays for the damage insurance or uninsured motorist?

The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.


Who pays the deductible when the other person is at fault?

There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.