if it there fault there insurance pays
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.
no No. The person who is borrowing the car must also have insurance.
No absolutely NOT - nice try though (with all due respect)
No, if the other person is driving the uninsured vehicle, then that person is still covered by their own policy. But, if you AND the vehicle are uninsured, then it doesn't matter who's in the passenger seat.
Yes, this would be covered with your uninsured motorists coverage and all uninsured motorists sections have a deductible of at least $250 or higher for the property damage section of the UM coverage. If later on the person admits or some way it is discovered who hit the car, then you would get your deductible back when you company was reimbursed by the person or their insurance company.
Uninsured motorist coverage
unless the person stole it then the owner is responsible. the uninsured person might be covered under the owners policy as extra driver though.
Insurance coverage is different on a person by person basis. Depending on the type and amount of coverage you are paying, it is possible that Visiting Angels's service is covered.
You didn't complete your question so I will try to answer it as best I can. Any policy no matter what company it is will be the same if you have the same coverage. If the other party had no insurance on the vehicle then your uninsured motorist coverage will pay for your damage just as if they had coverage up to you limit of UM coverage. If the other person was using someone else's car and the car owner had coverage then his insurance will pay for the damages. Liability coverage follows the car generally. If your UM coverage has to pay for the damages, they will go after the car owner and the driver for reimbursement of the loss.
You would need to have Collision and or Uninsured Motorist Property Damage coverage for the vehicle in order for the insurance company to pay. You may also have to make a report to the business that owns and maintains the parking lot.
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.
If the accident is your fault, your liability coverage will pay for the other person's damages. You will be out of luck as no coverage will be afforded for the damages to your vehicle or any injuries to you or your passengers.
Stacked coverage means that you may combine your coverage limits for each automobile insured under your policy. For example, if you insure three cars and obtain stacked coverage with limits of $10,000 per person and $20,000 per accident for each auto. Your stacked, or combined, coverage will total $30,000 per person and $60,000 per accident. If the coverage was unstacked, then the limit of coverage for each vehicle would be $10,000 per person and $20,000 per accident.Stacked Uninsured Motorist Insurance is the best type of UM insurance to protect you and your family. Here is how Uninsured Motorist insurance works. It will pay for your damages if you get in an accident with an at-fault driver who does not have ANY Bodily Injury Insurance, which is called an Uninsured Motorist
There's a good chance the insurance company will deny the claim of the person with the uninsured vehicle, as that vehicle isn't supposed to be on the roadway to begin with.
You should call and report this to the police. Also, you should contact your insurance company and advise them about this. If you carry uninsured motorist coverage on your policy, and can prove to your company that the other person is uninsured, your company will pay to have your car repaired and send the bill to the uninsured person.
Yes. That is what your Uninsured/Underinsured Motorist coverage is for. Limits & conditions are very state & company specific.
No,the vehicle will not be covered.
Depends on the state as far as I am aware but I think for the most part you are screwed if they are here illegally at least. If they are just uninsured but live here sue them and all should be fine... As long as you have there name and plate of course.... * You are never in the right to hit a parked vehicle nor rear end a car. FactPalooza.Com Interesting Facts. Thank You
If a person is driving a car and he/she is uninsured but the vehicle in which he is driving is registered and insured to another individual, the registered owner is liable for the damages to the other pwesond's vehicle.
They always say you never need insurance until you have not got it! Insurance covers your risks, each person develops their own view regarding what risks are acceptable and what risks need doing something about. It is up to you to decide if you need uninsured driver cover. But if you decide not to take it and get hit by an uninsured driver, the only person to moan at (apart form the criminal uninsured driver) is yourself!.
No, Kentucky law requires you to have insurance that coverage the person/people/property that you hit. It does not require that you have coverage for your own self or vehicle. Uninsured motorist coverage takes care of any damage you receive from another driver who does not carry insurance.
First call the person and get his or her insurance information, then call the insurer and file a property damage claim. If the person is uninsured you can file the claim with your own insurer.
hope the other person has uninsured motorist coverage or else its coming out of your pocket. and then, their ins co may sue you. IN THE END, YOU PAY