If you accidentally hit your wifey’s car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?

If you accidentally hit your wifey

If you accidentally hit your wifey's car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?You need to check with your agent. In some cases, accidents involving relatives are not covered.

If someone hits your parked car does their insurance company pay and do you still pay your deductible?

If you determine to go through your carrier — and assuming your policy doesn’t have a provision for waiving your deductible under these circumstances — then, yes, you’ll have to pay your deductible. Your carrier will then pursue the at-fault party for all monies paid, including your deductible. Keep in mind that applying your deductible has nothing to do with liability. It doesn’t matter if your car was parked and unoccupied, or if you were rear-ended. Rather, the deductible is the portion you agreed to pay in the event of ANY loss, regardless of liability. If the at-fault carrier agrees to pay for the damages (which they should, given the facts-of-loss), then you’re correct: You wouldn’t pay your deductible. Your deductible applies only if you’re going through your own carrier, and even then, the at-fault party still owes for ALL the damages. By avoiding your own carrier, you shouldn’t have to pay out-of-pocket for any of the damages. Also, if you do determine to go through your own carrier, they might waive your deductible if they confirm that the at-fault driver has active insurance, and if they confirm that the other carrier is willing to pay. A private practice: When I called my insurance company about this, they told me that if the at-fault person’s insurance company (I’m assuming they’re at fault since they hit a parked car) assumes liability (again, since they’re most likely liable) they’ll cover the damages and I won’t have the pay the deductible. Did I hear this wrong? Also, I live in Pennsylvania, and from what I hear our insurance laws are a little goofy.

What happens if two people get in an accident and both people were driving borrowed insured cars but neither person was on the insurance policy?

%REPLIES%.
Response .
Well in this situation, lets hope that both parties were licensed drivers, and they were not excluded from the policies of the vehicles in which they were driving. In most situations an insured can permit a driver to drive there vehicle, under the permissive use section of there policy. Permissive use simply states that a person can drive your vehicle on an occasion if they are not a family member from within your same household. 99% of insurance companies suggest permissive use, so in most cases the drivers or the insureds have little to worry about..
Response .

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Thank you for answering my question. ^_^Unfortunately, I know for sure that I was excluded from my beau’s policy but I’m not sure about the other person and the other car. It’s been three weeks since my accident and no one from her side has contacted me in the last week and a half so I have no idea what’s going on with her side. They sent me a claim form but I’m not filing a claim on them…does anyone know what happens next? I’m truly confused. This is the very first time I’ve gotten in an accident and no one’s been very helpful so far (except you guys). Hopefully I can get some guidance…I’m not a very wealthy person and I don’t want to end up paying more than I can for her car repairs. So if ya got any info I’d indeed appreciate it. ^_^Thanks again!.

If a speeding driver hits your car and causes a Four car accident will his insurance pay for your car and all the cars your was shoved into?

Depends on exactly how it happened. From what you’ve told us, yes, the speeding driver would be responsible for all the harm if his speeding was the direct (and only) cause of the accident. But if you were attempting to hit a crimson light or were pulling into the street from a driveway or alley, you are also at-fault.

What if you have utter coverage insurance for your car and you have a single car accident and you have a suspended license does the insurance people still pay for it?

Response .
wrong side driving car was total harm * drank liqueds and drove the car it is also pay *

If you live in Florida and you were rear-ended by a car that was hit by another car and you have no insurance will the car that caused the accident have to pay for your car?

Response .
In theory, yes..
Reaction .
I don’t know about in FL, but in NC, it’s my understanding that if you don’t have insurance, it doesn’t matter who’s fault it was, you’re liable. In some cases, you may even be liable for the other car’s harm…

If your spouse hits your car and you are on the same policy will insurance cover the accident?

Response .
Yes, and your spouse will end up with an at-fault accident on their record. The collision deductible will apply to the harm on the car that your spouse was driving and there will not be a deductible for the harm to the parked car..
Response .
Maybe. Check with your agent, but some policies specifically exempt harm caused by another vehicle on the same policy. It prevents people with two junkers from having driveway “accidents” where both vehicles are totaled but no one is hurt. Of course, they can still drive both cars into a brick wall.

Can your employer make you pay the insurance deductible if you have an accident in a company vehicle?

Response .
I don’t know, but if the accident was your fault, why should he have to pay it? Might be better to pay it so you can keep your job (if the accident was your fault)..
Response .
Most likely not, if you were on company business at the time. If you take a company truck home after work and you were at fault, that’s a different situation. In either case, if you were at fault, he can write you up or possibly fire you. It might be lighter just to pay the deductable.

If you are involved in a hit and run in your wifes car you are excluded on her policy and you left behind to add her car to your policy- Will your insurer pay for the damages?

Reaction .
Sometimes it all depends on what state your in and who the insurance provider is. I know people to have gotten in accidantsin others peoples cars when they were not listed as a carrier, and insurance still paid for it.

Do you have to pay a deductible if your car is involved in a hit and run accident?

Response .
If the party who caused the accident is not located, then you very likely will have to fork over your standard deductible.

Will car insurance pay for a car totaled in a DUI accident?

Response .
It should. If the “at fault” vehicle is insured, it’s supposed to cover the victim’s vehicle 100%. If the “at fault” vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount.Note that the inebriated driver will liberate his insurance and be required to get the VERY expensive DUI “insurance endorsment” since he/she is now in the highest risk bracket..
BTW, when a buzzed driver causes a collision it’s not called an “accident”. Accident is when things just happen. Driving toasted is the CAUSE of the collision and as such the collision is not called an accident. Call it a wreck, crash or just about anything else that takes away the implication of a random act.

Do you pay one deductible or two if two cars from the same policy are involved in one accident?

Dependent on the fault factor and without knowing all of thecircumstances I can securely say two deductibles would be paid.

Do you have to pay both deductibles if you hit your own 2nd car?

Insurance DedutiblesIt depends on your insurance company and coverage. After receiving a letter in the mail from 21st Insurance and reading through the paphlets enclosed, I have come to the understanding that some insurance companies suggest a no-deductible service if your car and the other car involved are covered under the same company. Assuming the fact that both your cars are on the same insurance policy it would seem that if your insurance company offers this service you shouldn’t have to. I recommend contacting your company and determing if this is a service they either suggest or if you have to pay extra for it. Hope this information helped.

If you accidentally hit your wifey's car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?

If you are in an accident and it is your fault does your insurance pay for both cars?

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Response .
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No lovey not if your the one at fault… Insurance only covers the other person if your at fault sorry honey……
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It depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cover the other person’s harm. If you also purchased collision insurance, that will pay for your vehicle (less the deductable).

Can you have two car insurance policies in the same household?

Reaction .
Yes, you can have two car insurance policies in the same household but it would most likely be cheaper if you just went with one company instead. Most auto insurance companies suggest a numerous car discount.

Are you responsible for the deductible on the insurance of the car you hit if you do not have insurance?

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Reaction .
If you were legally at fault, you are responsible to pay all damages to other vehicle. Even if you pay the other persons deductible, that insurance co. will come after you for total amount. The person that you gave the money to for their deductible will then have to give some of that back to insurance co., if they find out that deductible was given to him (her) by you.

If a hit and run vehicle knocks an insured moving vehicle into your liability-only parked vehicle whose insurance pays for harm to your car?

Reaction .
The “At Fault” party is responsible for your harm, regardless of who ran. The driver who ran from the scene is not necessarily the at fault party. The question is who caused the accident? That person is responsible for the harm..
Response .
It seems that you alone will have to pursue payment from the insured vehicle that hit you. If you had comprehensive coverage, your insurance company would have paid for your damages (or totaled your car, whichever is more prudent) and would have gone after the insured vehicle that hit you. As it stands now, you can attempt and work with the insurance company of the car that hit you or sue the driver for repair costs. Both are laborious processes. Do yourself a favor and buy comprehensive insurance, which isn’t too expensive and, trust me, will come in handy one day.

If a utter coverage policy is on both your vehicles and one car hits the other how does the insurance work?

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Reaction 1, Insurance .
It can work out several ways. Most probable cause of activity is for you to file a claim with your insurance, and then your insurance contacts the at-fault party’s insurance for payment of damages. There are some companies that won’t contact the at-fault party’s insurance in which case you have to deal with the at-fault insurance company at all times. With that said, total coverage means your car is covered in case of anything. Collision covers your car whether it was your fault or not. If the crash was NOT your fault then the public liability part of the at-fault’s insurance company will pay for the damages, not to exceed the property harm cap for the at-fault party’s insurance. However, total coverage does include underinsured motorist coverage. What this means is if someone hits your car and causes $15,000 in damages, but the insurance caps out at $Ten,000, then the not-at-fault insurance can sue the at-fault driver for the extra $Five,000, so make sure you have the decent boundaries and most significant, BE CAREFUL OUT THERE!!!.

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Reaction Two, The very first reaction missed one pointBoth vehicles are on the same policy. There may be an exclusionary clause on the policy, but even if there isn’t you can expect the insurance company to be VERY suspicious. If one car has been spending a lot of time in the shop with no improvement, one could lightly back into it with another in such a way that it would be totaled and the good car would have only a few scrapes on the bumper..
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Response Trio, Extra Info .
Answer 1 totally missed the question. Reaction Two emerges to assume only that the struck vehicle was parked, and that the incident was not an accident, but may be fraudulent. Both assumptions are possible, but not sensational. There are such incidents which are legitimately accidental, and insurance carriers prepare for this in their corporate policy. .
When I was an auto property Claim Adjuster for a major insurer, many years ago, we investigated ALL claims, including consideration and elimination of the possibility of fraud. Where fraud was clearly involved, the policy contract was VOID, and the claim denied..
Where two vehicles insured on the same policy were involved, the company policy was if the struck vehicle was covered for collision, the repair was paid for under it’s own collison coverage, with the deductible waived .
By the way, this policy was also true for collision of two of our insured vehicles, possessed and insured by different insureds and policys. This saved us the time and expense of investigating fault and laying blame on one or the other policy holder/customer. I suspect, that the company figured that since we were going to have to pay regardless of who was at fault, we could avoid alienating a paying customer due to determining him to be “at fault.” .
I worked many claims involving a single possessor, with both vehicles insured on the same policy. All involved the struck vehicle being parked, mostly in a driveway, but a few were parked in the street adjacent to the driveway. .
We did have a few collision claims involving both of the “same policy” vehicles moving, but I never got one of those assignments. .
If the struck vehicle was insured by us, but did not carry collision coverage, we then paid the claim under the liability portion of the striking vehicle’s coverage. And again, as a public relations gesture to the insured, we did not assign fault, or surcharge his future premiums..
That has been a long time ago, and company policy may have switched. Also, insurance company policy did, and does, vary from state to state, depending on each state’s insurance regulations.

If your parked car was hit and both parties have the same insurance company is there anyway to recover your deductible?

Reaction .
If your vehicle was parked you should not need to pay ANY deductible. If you were not found resonsible for the collision your expenses should be entirely paid by the at-fault driver. If necessary, you may need to take the other driver to puny claims court.

Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the holder of that car and is not on that car’s insurance policy?

Reaction .
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers “you” from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle..
Concerning the party that is not the possessor nor on the car owners policy, the car proprietor’s auto policy covers the car and any lawful driver aslong as their were no “misrepresentation” on the insurance application/contract. By misrepresentation I mean, at the moment the car holder signed the application and contract he was to state any material facts that could switch the underwriting decision such as premiums. For example, if the car holder has a son who will also drive the car, the car proprietor is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a “undisclosed driver” was operating the veichle the insurance has Two options. 1. He can Void the policy/contract and not cover the auto holder. or Two. He can cover the auto proprietor and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car..
Note” In uncommon cases, an insurance company will cover the “undisclosed driver” aslong as the difference in the premium is paid.

What can someone do if they get into an accident with a vehicle they’re still paying for with no car insurance?

The only thing you can do is pay for all your damages out of pocket. After all it was your decision to drive without insurance.

Will under insured motorist coverage pay for injuries to a drivers policy for a single car accident?

Response .
No, I don’t think so, or know of any situation where it would, all states vary and have different laws tho’ so you should dual check this with your states dept of insurance or your agent..
Typically underinsured motorists coverage, covers the ‘under insured” coverage of the other driver. As an example you and four passengers of your vehicle are hurt badly by another driver who only carrys 25k/50k bodily injury boundaries. That means 25k per person 50k per accident is the absolute MOST they can pay, but you and your passengers injuries total 75k, your underinsured motorist coverage picks up this 25k that is over their limit, or amount they are ‘underinsured’.

What if you have a car accident and both parties have no insurance?

Both parties will lose their license if a police report is taken.Both parties are still responsible for all harm incurred orinjuries.

If a person has a heart attack while driving a car and subsequently dies in an auto accident if death is caused by the accident and not the heart attack will an Accidental Death Insurance policy pay?

ReactionIf in fact the accident was the cause of death, yes. You would need a death certificate indicating the actual cause of death when you file your claim.

Who pays if same policy covers both cars involved.?

Response .
Well, my guess would be the policy that covers both cars! And your insurance company is NOT going to love you anymore.

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.

If you accidentally hit your wifey's car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?

You are in a single car accident as a passenger the car involved is underinsured can you collect on your underinsured even tho’ you were not driving and the vehicle is not listed on your policy?

no. you can not collect on something that you are not paying for. However… you can sue the driver, if this is what you want to do, call you insurance company and let them treat it. If you do not have an insurance company, call an attorney.

What do you do if in a car accident and both vehicles do not have car insurance?

what can you do, both drivers are in the wrong and braking the law, so report it to the police and both partys will be charged and then prob get a fine to pay for the harm, also points on the licence

Can two different people have an insurance policy on the same car?

Yes they can. Two people may have an insurable interest in a carand thus have a policy each.

In a two car accident who is responsible for the deductible?

If you are going through your own insurance, you are responsible for your collision deductible. If the other person is at fault, you can go through their insurance under their liability coverage so you do not have to pay a deductible.

What happens if you are in a car accident your insurance ran out two weeks ago and your not the primary insurance policy holder on the car?

The driver of the at-fault car is responsible for paying for the harm they cause to others in an auto accident. Having insurance transfers this risk from the driver to the insurance company. If you are found at-fault and do not have insurance you will be responsible for paying out of your own pocket for the harm you caused. If you do not have the money in the bank, or the assets to sell, be ready to have future wages garnished. If this happens you may want to consult a bankruptcy attorney.

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Where do you file a claim to sue for deductible from a car accident involving a car with no insurance with no insurance?

If I understand your question you are attempting to recover a deductible you incurred due to the fault of the other driver who was uninsured? If this is the case it may depend on the state in which you live and what coverage you may or may not carry. If you are from CA, we have what is called UMCDW or uninsured motorist collision deductible waiver, which if you were carrying this type coverage as part of your auto policy, it would pay your deductible if your vehicle were hit by an at fault, identifiable uninsured driver. If you do not have similar coverage on your policy or in your state, you may simply have to file a claim in petite claims court to recover your deductible and good luck. In many cases if you are dealing with an uninsured driver, even if you win judgement you still have to be able to collect it…sometimes the hardest part! In the future you may want to consider a product called CDRP which is a Collision Deductible Reserve Plan to insure your deductible is always available for you when you need to use it. It is a very wise financial stir that can not only save you hundreds if not thousands on your car insurance premiums but would give you peace of mind knowing your deductible is always there when you need it! You can learn more about this incredible product at TheFiveMinuteMove.com .

Single car accident no injuries but car totaled will insurance pay?

Evidently if you have collision that should look after the harm to the car. Now the collision comes in many shades of grey. The insurance company will pay cash value after taking into account the mileage, year, and type of vehicle. Plus the cost of dealing with the harm vehicle cost would be subtracted from the settlement of the cash settlement too in some cases. If you have no collision then you have no gam to stand on, your are left holding the bag.

Who is liable for car A’s deductible if both car A and B are insured and A rear completes B and lies that they were hit and run by car C but car B has no harm?

Car c is liable for both cars .
but if you don’t know the license plate blame car d

Who pays the deductible if someone hits your car?

The identified third party at fault is responsible for paying the deductible in the event of a motor vehicle accident.

If you get into a car accident and the other person does not have insurance do you still pay the deductible?

This depends on many factors, including the capability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.

Can your car insurance not pay if you have an accident in the insured vehicle but no valid license?

Sure. If you have no valid license, you have no business driving a car at all. If you weren’t driving illegally, you wouldn’t have had the accident.

What if you were in a car accident that was not your fault however you did not have insurance but the vehicle is insured?

If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.

If you accidentally hit your wifey's car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?

Would you have to pay two deductibles if you hit one of your cars with another?

Ordinarily, if both cars were insured under the same auto policy, many insurers waive the deductible on both. This is likewise the case if two unrelated insureds of the same insurer have a collision.

Who do pay your car insurance deductible to?

Your deductible only gets paid in the event of a claim. For example, you tap a light pole in the mall parking lot. The pole is ok but your car is bruised. If you have comprehensive coverage on your car, your insurance company will pay a claim to have it repaired. So, you get a bod shop who says it will cost $1,400 to fit it. If your deductible is, say, $500.00, your insurance company cuts a check to the bod shop for $900.00 which is the difference inbetween the harm repair bill and the deductible. Thus, you must come up with the $500.00 amount.

What if the car had two insurance policy will both insurance pay on the car?

Not likely. I would check your auto insurance policy form and I think you will find that there will be a clause there that covers that. if you do claim on both it could be deemed as fraud.

Where do I get help to pay for my car accidents and insurance in hit and run?

Generally, you cannot, in the absence of collision or uninsured motorist coverage. If the hit and run driver is eventually identified you may be able to sue them personally. Both collision coverage and uninsured motorist coverage are “first-party” coverages, meaning that they cover your own vehicle. Collision coverage provides property harm for your own vehicle irrespective of fault for the collision. It is normally subject to a deductible, meaning there will be an amount that you will have to pay out of pocket. You will have to check your policy, or with your insurance agent, to see if you have the coverage, because it is generally not mandatory. That said, if the vehicle is financed, the entity through which you financed it may have required that you get collision coverage to protect the collateral. If you did not, the company that financed the car may have obtained “force-placed” coverage for you and charged your account the premium for it. Therefore, you should contact the finance company and determine if it did and if so, get the specifics on the coverage so that you can make a claim. Uninsured motorist coverage provides benefits to you if you were injured (usually there is a requirement of permanency, but state law controls) by the negligence of an uninsured driver. It does not provide any property harm benefits, so depending upon the damages that you sustained, it may be moot whether you have it or not. If your state requires you to maintain liability coverage on your car, it will generally also require that your insurer have suggested you the chance to buy or to waive the purchase of uninsured motorist coverage.

What if someone hits you and its not his car and there are no insurance on the vehicle?

His liability insurance on his car should transfer to the vehicle that he is driving.

What happens when both parties in a car accident have the same car insurance company?

The claims process should be fairly a bit lighter. What some companies do is waive your deductible for both parties.

Does your auto insurance deductible cover your car and the car that you hit in an accident?

You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.

What do you do when your car insurance wont pay after an accident?

Check your policy, and if they are attempting to cheat you, then sue them till they have to pull out a loan just to go to the bathroom.

What insurance policies are involved when there is a car accident?

Auto insurance, and if you are hurt by the accident, then health insurance too, but you will need health insurance for the 2nd to file a claim for injuries, and health insurance is optional. Auto insurance is required by law. If it is someone else’s fault however, thentheymust pay for all the harm to you, your car, and themselves.

Do you have to pay the deductible if you hit another car?

If your policy contains a Deductible clause then yes you will have to pay your deductible.

Do you have to pay for a car when in an accident who does not have insurance?

Pretty much yes, If your liable for the harm then you have to payfor those damages. If you’d have had your car insurance in place atthe time, it would have paid the bill for you however. Good luck..

What are the best deductibles to pay on car insurance?

It is hard to say the best deductible to pay for car insurance since it will vary by person. It depends on how much a person could afford to pay out of pocket if they get into a pocket, and if a person thinks that they would get into accidents often.

Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?

The real reaction is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what’s being insured is thecar ,not thedriver . If you give permission to someone to driveyour car and they get in an accident and it’s their fault, usuallyyour insurance company is going to be primarily liable for thedamages. Your insurance company will most likely pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn’t explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you’re probablygoing to be asked to throw them under the bus and testify that they stoleyour car. One complicating factor is that while what’s insured is the car,theratesare set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers’ records (highercollision rates). If there’s a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company “Oh, no, he’s not going to drivethis car, he’s going to drive a different car insured by some otherinsurer, so you don’t have to worry about his driving record.” If you live in a state that permits you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be permitted to say “Hey, you said CrashBandicoot here wasnotgoing to be driving yourcar, and lo and behold, hediddrive your car, liar liarpants on fire, youpay for this, acquaintance.” They maynot be permitted to wriggle off the hook entirely, but they probablywill at least be permitted to use drastically diminished coverageamounts, leaving a large bill for you to deal with. Crash’sinsurance (if he has any) may, or may not, kick in.

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