Why is it your fault if you have no collision insurance?
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.
If you have collision insurance.
Their own insurance would cover it if they had collision insurance.
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.
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.
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 are 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.
It covers damage to your vehicle resulting from an at fault collision with another vehicle or object.
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.
claims if you're at fault in a collision
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… Read More
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… Read More
Collision coverage covers accidents you are at fault for. Their insurance should pay for any damages to your vehicle.
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… Read More
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.
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… Read More
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.
If you do not have insurance and someone hit you in the back with insurance can you have your cost paid for in Louisiana?
While you may receive a traffic citation for driving without insurance, the individual who is responsible for the collision should pay for damages. If the other driver was found at fault, he/she should pay for damages, just as you should pay for damages that YOU cause. If the police investigated the collision and found that you were both at fault, you will probably have to pay your own damages. If you did not have the… Read More
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.
You should always contact your insurance company when you're involved in any kind of collision or your vehicle experiences any kind of damage. Each state is different in terms of laws regarding fault and no-fault and your insurance agent will be able to answer all your questions regarding the collision.
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.
It should. If the "at fault" vehicle is insured, it's supposed to cover the victim's vehicle 100%. If the "at fault" vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount. Note that the drunk driver will loose his insurance and be required to get the VERY expensive DUI "insurance endorsment" since he/she is now in the highest risk bracket. BTW, when a drunk… Read More
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.
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.
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
Yes you can as long as you have collision coverage and this will be considered an "at fault" accident.
Automotive liability insurance is required an almost all states, this insurance will cover damage your car does to other cars and people, if you are at fault in a collision. Full coverage insurance covers damage to your car if you are at fault, as well as provide liability insurance.
That is the part of your insurance that pays for damage to your vehicle, when you are at fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.
Insurance collision is a form of automobile insurance that covers physical damage. In most situations the insurer pays for the insured injuries, damage to the vehicle of the insured, and if the insured is at fault it pays for the damage to the other vehicle, and the other driver.
You'll need to file an accident report, then notify your insurer of the loss occurrence. If your have collision or uninsured motorist coverage on your policy, your insurer can handle it for you. Your insurance insurance company pays you, they would then seek subrogation from the at fault driver.
No fault insurance refers to injuries, not property damage. Being in a no fault state simply means that your injuries are payed for by your own insurance company regardless of who is at fault in an accident. Fault is still assigned for the purpose of determining who is responsible for property damage. It is always the at-fault party's responsibility for pay for the damage they cause to you. If you are going to have the… Read More
Collision insurance pays for damage that happens to your vehicle in an accident if it is your fault. It does not pay for the other vehicle or property involved in an accident. It is not required by law but it is highly recommend especially if you financed the vehicle and are still paying off the loan.
No lovey not if your the one at fault... Insurance only covers the other person if your at fault sorry honey..... It depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cover the other person's damage. If you also purchased collision insurance, that will pay for your vehicle (less the deductable).
If a non-owner of a vehicle has a wreck and damage to the car hit is paid by the owner but there is no collision insurance on the vehicle at fault can the drivers insurance be responsible in Tennesse?
No, The vehicle owner chose to accept the risk associated with not having collision coverage. You can not use someone elses policy to cover the owners collision loss.
Liabilty will not cover damage from a collision with a deer no matter what insurance company you have. Animal collisions are covered under "Comprehensive" or "Other Than Collision" coverage. Liability only covers damage you do when you are at fault.
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
The insurance company of the vehicle found to be at fault in the collision. The fact an ambulance was involved in not important.
No fault coverage is a type of auto coverage that most states require a registered owner of a car to maintain. It pays a percentage of the medical expenses and lost wages of that person or members of his/her household who may be injured as a result of a collision. It pays the covered person without regard to fault for the collision. It pays nothing to the driver or owner of the other vehicle or… Read More
Will comprehensive or liability insurance cover an accident that the driver tried to avoid an animal in the road and hit a tree?
Only collision coverage will cover a collision between your car and a stationary object. A collision between your car and a stationary object is always considered an at-fault accident. Striking an animal is always considered a comprehensive claim, and thus not at-fault.
You get the Traffic Collision Report. You find out who was at fault. You get the other driver's insurance information. You file a claim with his insurance company. Using an attorney to represent you helps to avoid you suffering through the process yourself.
I think this depends on the insurance company. When I was in an accident (I was at fault), the insurance company required my collision deductable up front before they started repairs on my car.
When in a car accident that is not your fault dose the other Insurance company pay for the car rental Insurance?
Yes, as long as you had comprehensive and collision insurance on your own policy. Rental companies require you to have these and the other party will not pay for them.
Auto insurance includes: liability, collision, comprehensive. Liability covers what you do to someone else's property and body. Collision covers your car when you are at fault in a collision. Comprehensive covers uninsured motorists, theft, vandalism. natural disasters and the like. the answer is liability coverage
There are seven types of car insurance available. There is liability, collision, comprehensive, uninsured motorist protection, medical/personal injury protection, no fault, and gap insurance.
When in an auto accident and the police are called and the party that was at fault and does not have his insurance information with him how long does he have to get this information to the officer.?
Laws differ from state to state. In this case you should contact the police to find out about the law regarding proof of insurance, but if insurance information wasn't available at the time of the collision, you may as turn the collision in to your insurance, since the other driver probably isn't insured.
If you are in an accident and the other driver says you were at fault does this mean your car will not be repaired by your or their insurance?
No, if you have the right coverage (collision) your company will still pay for your car.
What happens if you had been in an accident and it was considered 5050 because there was no way to prove who was at fault but you had only comprehensive and collision and no liability insurance?
Both insurance companies will pay for their own, depending on your policy coverage.
It is not the age of the car, but the value of the car that should determine whether or not you choose to have collision insurance on it. For example, if you own an 88 Pontiac Bonneville and it's worth $500 then it doesn't really make much sense to pay $500 per year to insure it. However if you get into an accident that is your fault and you don't have collision insurance, then no… Read More