It depends on the type of insurance you have and your policy. Comprehensive coverage protects you against damages to your car that are the result of covered issues not related to a collision, such as an animal. Some insurance companies do not cover damages due to animals.
It depends. Some insurance companies insure the driver and any car they drive whether it's a rental, or borrowed with permission from the registered owner. Other insurance companies insure the car and only the drivers specified on the policy. Check with your insurance. It's possible your insurance follows you, in which case the damage you caused to the car you were driving and the car you hit would be covered.
Yes, she can. It makes no difference who the car is owned by, the insurance company will cover the liabilities according to the policy.
Most likely, yes. Most insurance companies ask for two months in advance when you get insurance. Just because his tags expired doesn't mean he was not insured at the time of the accident. However, if you are not insured on his policy they may not cover you.
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
I am assuming that you are making up some abbreviation by using the plpd. The part of the policy that would pay for the damages to the car you hit if it was your fault would be Property Damage Liability Coverage.
If the car that hit you had no insurance, it is the duty of the Traffic and Motor Vehicles Department to penalize the owner. If you are badly injured, only you can be monetarily saved if you possess one Personal Accident Policy on your life along with your Medical Insurance Policy.
You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.
It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they - but not you - will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else's insurance. Some people hold insurance policies that allow anyone (with permission from the owner) with a valid license to drive the car and in this case you would b covered on this policy - many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.
No, the home policy does not cover the occupant of the home, including pets.
You will receive a no insurance violation (major offense), and be liable for damages. If you are hit by a vehicle with no insurance, your insurance will cover the property damage (subject to the deductible) and injuries may draw from the Uninsured Motorist coverage on your policy.
Probably, but the other guy's insurance company should cover it since he was liable (unless it was a hit and run).
It was your car so your insurance will have to pay. Never loan a car out to someone who is not on your insurance policy.
In most cases if you are fully insured then your insurance will pay for the uninsured driver's car. However if it is only a third party insurance then most likely you have no cover if it is your fault. However it depends on the insurance company and the policy that you signed.
no, you should have your own.
Hopefully that person that hit you has insurance, other wise the problem is yours. IF you had an existing insurance policy on another vehicle (traded cars or adding a second car to the household) your carrier will PROBABLY cover this one.
Have your car repaired through your Insurance Company on your policy. It is then their task to obtain the costs from the person that hit you.
No. PL & PD cover injury and damage you do to other persons and their property. Collision and Comprehensive cover your vehicle.
No. Liability insurance will only cover your liability for property damage/injuries to others. In this case, it would cover the damage to the pole you hit. Your liability coverage will never cover damage to anything you own. You would need collision/comprehensive coverage to cover damage to your car.
Yes. The guy who hit your car pays or his insurance covers it.
In the US the insurance follows the vehicle, therefore the owners auto insurance will cover the damage as long as they have comprehensive (Other than collision) coverage. If they don't have coverage it comes out of someone's pocket. Another note is that insurance companies don't like it when you loan your vehicle to people not listed on the policy as a driver.
I think it may depend on the carrier. In Los Angeles, Progressive insurance still fixed my car even though it was hit by a rental car that was being driven by someone with only a drivers permit and not listed on the rental car policy.
If you have collision coverage then yes, car insurance companies will cover the damages caused to your car, or medical treatment required, within the stipulations of your policy. However, if you don't have collision or underinsured/uninsured motorist coverage, then you will not be covered for the damages to your property or self.