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Answered 2006-12-03 23:55:50

It is highly unlikely.

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Does uninsured auto insurance cover property damage?

If you are uninsured then of course not.


What happens if you are driving an uninsured car and you get into an accident and it was not your fault?

The at-fault driver's insurance will pay for all property and bodily injury damages.


What happens when one of the involved parties does not have auto insurance at time of the accident?

Assuming in this instance the uninsured driver is the one at fault, he or she is still liable for any property damage & personal injuries that may have resulted from the accident. The injured party will make a claim against his or her uninsured motorist policy. But that insurance company can, and often will, sue the uninsured driver.


The Ins and Outs of Uninsured Motorist Insurance in Virginia?

Whether in Virginia or another state, uninsured motorist insurance is often pushed aside by drivers. Unfortunately for those drivers, uninsured motorist insurance could come in handy in the case of an accident where the other driver involved does not have insurance. In Virginia, uninsured motorist insurance is actually mandatory. Residents are required to purchase uninsured motorist insurance as part of their auto insurance plan. Fortunately for residents of Virginia, uninsured motorist insurance can help protect from health care costs and other costs associate with an accident that the driver is not at fault for. Residents of Virginia are required to purchase 25/50/20 of uninsured motorist insurance with their auto insurance policy. This amount of insurance is purchased in order to cover bodily injury and damage to property costs associated with an accident. Additionally, uninsured motorist insurance can help pay for lost wages and other medical bills as a result of an accident. While uninsured motorist insurance may seem like an extra or unnecessary costs, statistics have shown that nearly 15 percent of drivers on the road do not carry liability insurance. In the case of an accident in which a driver does not have insurance, the driver at fault would be required to pay for any and all costs. If they can't, it becomes the responsibility of the other driver involved in the accident. It doesn't matter if the driver was at fault or not. In Virginia, drivers have the option of purchasing a deductible for uninsured motorist insurance. The deductible is the price that a driver is willing to pay out of pocket if they have an encounter with an uninsured driver that can not pay for damages and or medical bills. Fortunately, as it is mandatory in Virginia, purchasing uninsured motorist insurance or paying for a deductible is relatively inexpensive. As with all types of auto insurance, prices will vary depending on the insurance company. For best deals on uninsured motorist protection rates, it's best to shop around.


Will homeowners insurance cover the damages to a uninsured vehicle on the property?

No, homeowners insurance excludes vehicles.


What is UMPD coverage?

Underinsurer or uninsured Property damage coverage pays for damage to your vehicle if another vehicle is at fault for the accident but is uninsured or underinsured.


What are the state minimum requirements for car insurance in Maryland?

Maryland minimum car insurance requirements are: Bodily Injury Liability: $20,000 per person/$40,000 per accident; Property Damage Liability: $15,000; Uninsured/Underinsured Motorist Bodily Injury: $20,000 per person/$40,000 per accident; Uninsured Motorist Property Damage: $15,000; and finally Personal Injury Protection (pays your medical bills): $2,500.


Can an unlicensed driver operate a vehicle on private property with the owners consent?

Unlicensed drivers cannot operate a vehicle on private property. The insurance for the vehicle will not allow unlicensed drivers. Most states require every vehicle in operation to be insured.


Can a homeowner hire a unlicensed person to do repairs on a rental property after a tenant vacates even if in the end the work totals more than 500?

You can hire whomever you want to effect your repairs. Bear in mind though that an unlicensed contractor is probably also an uninsured contractor and your home insurance company will not provide coverage for the contractors work.


Will liability insurance pay off your vehicle if it is totaled?

Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.


What does property damage liability car insurance cover in an accident?

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.


Will homeowners insurance on your primary property cover items you were keeping in your uninsured second home?

ABSOLUTELY NOT!!!!


Is uninsured motorist property damage necessary if I have comprehensive and collision coverage?

Uninsured motorist property damage coverage is usually not required and sometimes is not offered at all in a particular state. If it is offered in your state you should consider purchasing it. One accident with an uninsured driver can leave you with significant bills to cover your property damage.


What is uninsured vehicle coverage?

Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.


Will homeowners insurance cover injuries from an auto accident on private property?

No. Homeowners Insurance does not cover Auto accidents. Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.


What is uninsured motorist property dam?

This is actually "Uninsured motorist property damage coverage" Or Waiver It is the portion of your insurance that covers you if the other motorist has no coverage. If it is a waiver you have to initial it means you have declined this coverage. This is one of many ways the cheapo insurance companies lower your rates.


An insured driver is driving an uninsured vehicle that they own and have an accident causing property damage. With whom should I seek payment?

Damages should be sought from the at fault party. Failure to add the owned vehicle to the auto insurance policy has left the driver apparantly uninsured in that vehicle. The claimant may need to rely on uninsured motorits coverage. The insurer may offer a grace period for newly acquired vehicles. both drivers should contact their insurance company as it appears one may have no coverage in the accident.


How much does uninsured motorist insurance cost in New Jersey?

If you get into an accident in New Jersey and are not insured, it will cost you a substantial amount. The cost to repair the vehicle, pay the fines if responsible for the accident and possibly have to pay for some damages done to other vehicles or public property.


What insurance provides medical and property damage coverage if you are in an accident with someone who does not have insurance?

Usually your own insurance.


Can you get insurance co using the UM PD to pay for hit and run damage when you did not get the license plate and also you are not insured with Comp and Coll coverage?

UM PD (Uninsured Motorist, Property Damage) may not cover hit and run because this coverage kicks in only when the other party causing the accident is legally uninsured. Since there is no evidence that the other party was legally uninsured then coverage is not provided unless the other hit and run vehicle is discovered and is ruled to be legally uninsured at the time of hit and run accident.


Will your insurance company pay for an at fault driver with no insurance if you have underinsured insurance?

Yes! Good thing you bought this extra coverage. Its actually uninsured motorists and underinsured motorists. It also depends on how much you bought. I hope you also have uninsured motorists property damage, because you have to buy bodily injury and property damage separately.


What is a good place to get auto insurance in Illinois?

With regards to auto insurance, your best bet is to "shop around" as each company will offer different rates and discounts. There is a minimum coverage you must have (liability and uninsured motorist coverage). For liability it's $20,000 - injury or death of one person in an accident, $40,000 - injury or death of more than one person in an accident, and $15,000 - damage to property of another person. For uninsured motorist coverage it's $20,000 per person, $40,000 per accident.


What are the types of car insurance?

There are seven types of car insurance. Liability insurance covers the cost of repairing any property damaged in a crash, as well as medical bills. Collision insurance makes it so then insurer pays for repairs. Comprehensive insurance handles any situation, including theft. Uninsured motorist protection is a policy that covers damage by an uninsured motorist. Medical/Personal-injury Protection covers costs of injury. No-fault insurance covers property damage and injuries no matter who is at fault. Gap Insurance is for driver's who still owe money on the cars and need to pay off the vehicle if it is totaled in an accident.


Do BUS mechanics require a cdl licence in new jersey?

Typically, it will be required. While you may not get a ticket for operating a CMV on private property without a CDL, the insurance company may reject any insurance claim if an accident or incident results with an unlicensed driver operating the vehicle.


What does the term letting insurance refer to?

The term letting insurance refers to the insurance a landlord has for property they are renting. It covers damage to the property either through accident or natural disaster.