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Why is it your fault if you have no collision insurance?

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2005-10-17 21:08:27
2005-10-17 21:08:27

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

claims if you are at fault in a 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.

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

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

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.

claims if you're at fault in a collision

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.

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.

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.

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.

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

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.

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.

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

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.

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

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.

Collision insurance will cover the damages to your vehicle- no matter who is at fault. Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering). Liability = Other vehicle damage Injuries to driver/passenger in other vehicle Injuries to passengers in your vehicle if you are at fault Collision/Comprehensive = Cover damages to your car Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage

If the accident was your fault you're out of luck. If you were hit by someone, their insurance will total your car and pay you for its actual cash value.

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.

Seven types of insurance should get for a new car as like: Liability Insurance Collision Insurance Comprehensive Insurance Motorist Protection Personal-Injury Protection No-Fault Insurance Gap Insurance


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