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Will comprehensive insurance fix your vehicle if you hit another vehicle?
Wiki User
∙ 13y ago
And the answer is YES and NO! It all depends on what are the terms and conditions you have agreed upon on your auto policy.
You need to be aware of the policy values before you accept it!
Wiki User
∙ 13y ago
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Who is responsible if using another's vehicle whose insurance lapsed?
The person driving the vehicle. You borrowed the vehicle so any damage is your responsibly to fix. In almost all cases your insurance covers you if you must borrow another car. Check with your insurance company to be sure.
Do you have to use check from insurance to fix auto?
If you haven't paid the vehicle off, then you must repair the vehicle with the insurance check. If you don't owe a bank anything, you are not required to fix the vehicle. Keep in mind, if the vehicle has unrepaired physical damage and you get in another accident the insurance company will not give you another penny. They are only required to repair the vehicle to the condition it was in prior to the accident. If it was already damaged, they won't give you a dime
If you have full coverage auto insurance and you damage another vehicle and not yours do you have to pay a deductible?
It is the liability portion of your auto policy that pays for the damage to another vehicle that you hit. There is no deductible to fix the other car.
Why would an insurance company declare a vehicle totaled?
An insurance company declares a vehicle totaled when the cost to fix the vehicle exceeds 70% or more of its market value.
Does homeowners insurance cover a garage door that was hit be a friends vehicle and his vehicle?
Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.
What do you do if it costs more to fix a wrecked automobile than the vehicle is worth?
If you have physical damage coverage on your policy and the cost to repair the vehicle is more than the value of the vehicle then the insurance company will total the vehicle. In the case of a total loss, the insurance company will pay you the actual cash value of the vehicle less any deductible you have. On all insurance policies, where you have physical damage coverage, the insurance company has the option to repair the vehicle, pay the actual cash value of the vehicle, or replace the vehicle. Companies never replace the vehicle.
If you got rear ended at a stoplight the lady was not cited but police came gave you a report and insurance info do you call your insurance her insurance or wait for the check will your ins go up help?
Report it to your insurance. They will contact the other driver's insurance company. Unless you live in a "No fault" state, in which case your insurance will pay for repairs, less deductable. you would call her insurance, if you do this your insurance will not go up. her insurance is liable for the damage to your vehicle and will pay to fix it. If you put the claim on your insurance then your insurance will go up and they will have to pay to fix your vehicle.
If I don't have collision insurance will insurance company fix my car?
It depends upon the type of damage and the cause of it; some physical damage is covered by the comprehensive coverage of an auto policy. For example, glass breakage and vandalism is normally covered by the comprehensive coverage. All of that said, collision and comprehensive coverages are generally offered and purchased in tandem. Therefore, if one does not have collision coverage, there is a good chance that there is no comprehensive coverage.
Can reposession company file a claim with your car insurance company to fix preexisting damage?
If your lien holder repo's your vehicle, they can file a claim against your insurance for damage to the vehicle. The repo company itself would have no claim, because it's not their vehicle.
When someone hits you how long do they have to fix your car?
No, if you have been in an accident you should contact your insurance company and tell them. If you have comprehensive cover they will fix your car and send the other person the bill. If not you fix your own car and send the other person the bill. They will not normally fix your car for you.
Do you have to use your insurance settlement to fix slight bumper damage?
No, you don' t have to fix it, but should you have another accident in the same area they will deduct this payment, and should your vehicle total, then again a percentage of this unrepaired prior damage will come off the value of your vehicle. If this is first party claim, and a lien holder is on the vehicle then you may have to get their signature (and in most cases), they will require you to apply it to your loan.
Will a insurance company fix damages to a vehicle that was covered at the time of an accident but then is later removed from the policy?
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
