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?
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?
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..
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?
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?
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?
In theory, yes..
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?
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..
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?
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)..
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?
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?
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?
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?
Do you have to pay both deductibles if you hit your own 2nd car?
If you are in an accident and it is your fault does your insurance pay for both cars?
No lovey not if your the one at fault… Insurance only covers the other person if your at fault sorry honey……
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?
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?
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?
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..
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?
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!!!.
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..
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?
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?
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?
Will under insured motorist coverage pay for injuries to a drivers policy for a single car accident?
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?
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?
Who pays if same policy covers both cars involved.?
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?
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?
What do you do if in a car accident and both vehicles do not have car insurance?
Can two different people have an insurance policy on the same car?
In a two car accident who is responsible for the 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?
Where do you file a claim to sue for deductible from a car accident involving a car with no insurance with no insurance?
Single car accident no injuries but car totaled will insurance pay?
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?
but if you don’t know the license plate blame car d
Who pays the deductible if someone hits your car?
If you get into a car accident and the other person does not have insurance do you still pay the deductible?
Can your car insurance not pay if you have an accident in the insured vehicle but no valid license?
What if you were in a car accident that was not your fault however you did not have insurance but the vehicle is insured?