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If the car that was involved, in an acident was insured yea!

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โˆ™ 2007-07-20 17:58:32
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If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

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Nutrition

23 cards

If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

How many grams of cholesterol should you eat each day to maintain a healthy diet

What would cause a fluttering inside the ear canal

Why is beef fat a solid at room temperature

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Q: Would insurance cover the accident if you were in an accident but were not on the insurance policy but you had your own vehicle and insurance on it?
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Related questions

Who is responsible for insurance deductible in an accident of commercial vehicle?

The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.


What happens if I get in an accident and only have your permit?

If you are in your parents vehicle and you are on their auto insurance policy, you would be covered.


Your adult daughter has auto insurance and is gifting you her car you have a car and insurance She lives with you Do you have to put her on your insurance policy?

As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.


Is your insurance liable if your vehicle wasn't involved in a fatal accident?

If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.


What if your driving a friends uninsured vehicle with them and have and accident with another uninsured vehicle but you do have uninsure motorist insurance on your own car who insurance is responsible?

Since you are the only person with insurance it would be your insurance that pays, if your policy says this situation is covered. It depends on your insurance policy. Some cover you, others don't


In a one car accident who is responsible for damage to the vehicle if it was driven by someone other than the owner?

The primary insurance would be the policy that insures the vehicle.


Who is liable if you have an accident and you have no insurance but the owner of the car you borrow has insurance?

Well in 2 different states that I have lived and worked in the insurance follows the vehicle not the person. If someone is letting you borrow there vehicle then they are accepting responsibility for your actions, therefore the accident would be covered on there policy. Of course I would check with state laws to make sure.


If someone not on my policy is driving my vehicle and has an accident is the claim covered?

If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.


What is an accident based insurance policy?

The term "accident insurance" applies to life and health insurance policy's that will only pay claims that result from an accident. Example: A person who owns an accident-only disability policy falls ill from cancer. The policy will not pay any claims as a result of the cancer. If the same person fell down a flight of stairs, the policy would pay.


What auto insurance do you bill if you where a passenger in auto accident?

You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.


If you have an accident with your husband's vehicle which has only PLPD insurance can he make a claim against the full coverage on your vehicle?

No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.


If you got auto insurance coverage and were in an accident the same day what is the coverage for a claim?

Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any damage sustained before you purchased the policy damage would not be covered. If you had an accident after the purchase of the policy then any damages would be covered.


What type of auto insurance covers the driver no matter what vehicle they are driving?

There is no Such Auto Insurance Policy. You would need a Primary Auto Insurance Policy on your own Vehicle and then an attached Umbrella Policy on top of it in order to get close to this.


Does a co-owner of a vehicle who has never driven the vehicle have accident liability if his only reason for being on title was to get the vehicle financed?

You bet. If the other owner of the vehicle doesn't carry insurance on the vehicle -- or lets it lapse -- and has an at-fault accident, the injured party can certainly come after you as a part owner of the vehicle. If the other owner carries insurance, however, you're pretty safe. The insurance carrier handling the vehicle and any accidents will protect the owners' interests to the limits of the policy. If you know the vehicle has insurance, and you're still worried, take a moment to review the policy coverages and limits on the vehicle. Just so you know, the insurance you carry on the vehicle you do drive would not extend to a co-owned vehicle like this, unless you've told your carrier about it.


Would it be cheaper to get non-owners insurance for your 16 year old than adding him to your insurance policy?

That would be a very Bad Idea. Non Owners Insurance does not cover an accident in a vehicle to which the non-owner has regular use and access. It also will not cover an accident in a vehicle that belongs to a member of the same household. Not sure will depend on many factors, contact an agent/agents and request some quotes.


Coverage To Drive?

If you are driving a car in the state of Illinois, then you need to carry insurance on the vehicle. Uninsured motorists can get insurance at affordable rates if they know where to look. There is a minimum amount of coverage that the driver needs to have on their insurance. This amount is not high so that drivers can get insurance coverage at an affordable rate. However, if a driver wants to take a risk and let someone else drive their car, they need to carry uninsured motorist insurance on their policy. The minimum amount for this coverage is $20,000. This covers the driver of the car if they were in an accident and were not covered under an insurance policy. In the event of a car accident and the driver of your car or the other car were not covered under their own insurance policy, the uninsured motorist coverage would protect not only yourself but the other drivers in the accident. The coverage will pay for any medical necessities that are incurred during the accident and any wages that are lost. The coverage will only pay up to the amount that you have on your insurance policy. Anything over this amount will be the responsibility of the driver. If the accident was the fault of the other driver, then their insurance will cover up to the amount listed on their policy and then your insurance will cover the remaining amount. An uninsured policy is different than an underinsured policy. An underinsured driver has insurance, but they may not have enough coverage to pay for the expenses if the driver were in an accident. An uninsured motorist has no insurance at all. The only way that an uninsured motorist can usually drive a vehicle is if there is a family member who has taken out the uninsured motorist coverage on their insurance. An uninsured policy is not expensive to get, but it would be best for the driver to obtain their own policy as soon as possible.


You and your mother are under the same insurance policy. however your mother hits your car by accident. would reporting the accident increase your mothers insurance would you be covered?

Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.


Can you get auto insurance if you do not own a car?

Yes you can, it's called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance follows the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to decide if they'd accept liability.


If your insured with one company and you drive another vehicle that's insured by another company and you get into an accident wich insurance company pays for it?

The Owners Vehicle Policy offers primary first pay coverage. Any policy carried by the driver would invoke as secondary coverage.


Your uncle was driving a vehicle that is in your name and was in an accident The other driver hit him He has no insurance on the vehicle although he bought it from me. My policy is expired?

The driver who caused the accident is at fault. However, since that person has no insurance, you would have to sue them in court for damages. Chances are if they have no money for insurance they also will not have any money to pay a court fine or court ordered award to you. Since your policy expired, the total accident then becomes No Fault/No Fault for both parties and everyone walks away sustaining their own damages and the methods for financing their own repairs.


Can there be more than one insurance policy on one vehicle?

You can not insure a vehicle for more than its value so more than one insurance policy would be a waste of money.


Your wife is not on your auto insurance policy She has rear ended another driverand his vehicle was totaled by his insurance company What are your responsibilities?

If she was driving your vehicle, with your premission, it would fall under your insurance and they would have to pay for the other drivers vehicle


If you have an accident driving your friends car who insurance covers?

typcially , ''insurance stays with the car'' meaning the insurance on the vehicle would be primary..........


Do you have to live with your parents in order to use their insurance coverage in an accident i had an accident with rental car my parents insurance would cover?

You don't have to live there as long as you are listed on the policy.


What would renters insurance be useful?

Renters insurance can cover loss in case of fire, theft, accident. Your possessions are not covered by the building owners insurance policy.