Yes. All registered drivers are required to hold liability insurance, which means that if they cause an accident, their insurance will pay for damages to the other peoples’ cars. So, if the person does hold the required insurance, and is entirely at fault, your damages will be covered.
Will your premiums increase with no-fault insurance if someone hits you when your car is parked?
The insurance company has no reason to raise your premium, the situation was totally out of your mitts..
If you have PLPD or no fault insurance and you hit someone from behind and their car is fine and yours is not will your car insurance cover it?
No. PL & PD cover injury and harm you do to other persons and their property. Collision and Comprehensive cover your vehicle.
What should you do if your parked car was hit by a driver insured with no fault and you have no insurance?
I know someone presently in that situation. If the insured person is at fault (states so on police report) you should do your best to obtain a police report and get his insurance information. You or your attorney should contact his insurance company to file a claim. This is the stage my friend is at. I will let you know how it turns out. In her situation she was able to obtain an arrest report as it was the hit and run of a parked car by a toasted driver. The driver was arrested that evening and several other cars on the block were bruised.
If someone drove your car without permission or a valid driver’s license and hit another car and totaled your car will the insurance company cover it?
Yes, in most cases, but have grace on the person that took your car. The insurance company will go after them
Do you have to let the insurance company total your car if you were not at fault?
Liability, or whether or not you are at fault, has nothing to do with your vehicle being deemed totalled. If the repair cost exceeds the local market value of your car, it is a total loss.
If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?
I have PLPD insurance and was in an accident that was the other driver’s fault. The lady’s insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a brief period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.
If someone hits your car and you have pl-pd insurance will their insurance cover your car if they were totally at fault?
Yes.eg: If you have pl/pd, the insurance won’t pay for repairs for YOUR car if it is you fault, but they will pay the repairs for the other car.
There’s the big problem of having only the required liability insurance. If you do not have comprehensive and collision, you may have to sue the at-fault driver to force his insurance carrier pay. If you have coverage of your own, you can file a claim with your agent and instantaneously collect the damages (less your deductible) and your company will sue his if necessary. If and when they win or receive a settlement, you will get your deductible back.
If someone with insurance is found at fault when they hit an uninsured driver does the at fault drivers insurance still pay for harm to the uninsured car?
Yes, you are responsible regardless whether the other party has insurance or not. .
You should recover compensation, but in the UK driving without motor insurance is a criminal offence so you could be prosecuted by the authorities. Also – the mechanics of the collision are significant. For example – drivers without insurance fairly often have no driving licence: if the accident was contributed in part by inexperience of the person with no licence compensation could amounts could be diminished by a percentage. See the related link entitled “car driver injury claims” to see when car drivers can recover compensation.
Does plpd insurance cover the replacement cost of the other car if you hit someones car from behind and totaled it?
Property harm within your auto policy will cover any harm you may cause from an accident. Liability is for any medical attention they may need..
PLPD INSURANCE IS STANDARD MINIMUM COVERAGE THAT PROTECTS YOUR VEHICLE IN THE CASE OF AN AT FAULT ACCIDENT, HENCE WHY IT IS MANDATORY. NO-FAULT LAWS Permit COVERAGE FROM YOUR OWN INSURANCE COMPANY TO COVER YOUR OWN VEHICLE. IF YOU WERE NOT AT FAULT IN AN ACCIDENT (SOUNDS LIKE YOU WERE IN THIS ONE) THERE WOULD BE COVERAGE FOR YOUR VEHICLE REPAIR/REPLACEMENT. THE OTHER DRIVER’S VEHICLE WILL BE COVERED UNDER THEIR OWN POLICY. YOUR POLICY WORKS FOR YOU ONLY..
Comprehensive pays for harm to your car from vandalism and Acts of God (hail, flood, falling trees, gravel thrown by traffic) and Collision pay for damages to your car when it collides with anything (another car, tree, road sign) if you are at fault. Individual Liability (PL) pays for injuries you cause and Property Harm (PD) pays for harm you cause to another person’s property. If the other party is at fault, their insurance pays.
If someone hits your car and they’re at fault can their insurance company deny to pay if you don’t have insurance?
in some cases this is true but you should get a lawers help incase you end up injured and not know it yet?? leagal help is always nice in these cases plus there help is advice is free there time cost…..
absolutely not, this has happend to me. if they attempt it get a lawyer asap. i did not risk it. got a lawyer and about 25 thousand dollars.
Does car insurance cover you if a deer hits you?
Response it will if you have utter accident insurance Reaction only ifyou have total coverage. Actually, it depends on whether or not the deer was in a pedestriancrosswalk. If it was, then your insurance will cover you as stated.However, if the deer was not in a crosswalk, then the deer’sinsurance will be liable.
Will insurance cover if you if you hit a car with a company truck?
Well if the company you’re working for possesses common sense, they’ll have insurance policies on ALL of their vehicles. So, yes you should be covered.
Your car was parked and hit by someone their insurance will cover it will your insurance go up?
No because they will only give you 25%, not even enough to buy a fresh fetish mask! my car was parked and hit from behind and severly bruised the right quarter panel and more should i be worried about after effects from this backend harm
What happens if you have no insurance and you were hit by someone without car insurance?
You each walk away with nothing – your only recourse is to take the person who hit you to court and sue for damages. However, chances are if that person has no insurance, they have no job, and thus no income which to pay you the damages should the court award in your favor.
If you hit your house with your car will it be covered by home owners insurance?
This has actually happened to people who are insured with our agency, and yes, it is covered under your homeowners insurance. Bear in mind that you will have to pay your deductible on the home insurance, and that damages to the car would be covered under the car insurance if you have collision coverage on the car, and a deductible will most likely apply here as well. If you do not have collision coverage on the car, then you will need to pay the utter cost out of your own pocket to get the car immobilized..
We also recommend that you expect to be cancelled later if you do this more than once. 😉
Will you get compensated if your uninsured car was parked on the street and got hit by someone with insurance and was totaled?
if “your” vehicle has NO insurence, you are not entitled to compensation…meaning…you get nothing..and the fact that it was parked in a “public place” makes for an even stronger agument against any suit seeking damages.
What are car insurance laws in California if someone hits me and they are at fault?
They or their insurance company needs to pay for harm and medicalbills in the accident. If they don’t have insurance, they can stillbe sued for the accident by the victims insurance company.
If your car is hit from behind but the person who hit you claimed that she was hit by someone else who left the scene. Can you still ask her insurance to cover your harm?
You better believe it! She hit you. What caused her to hit you is her problem, not yours. She was obviously too close to you.
Does the car Insurance cover it when a rock hits the car windsheld?
Yes … Some insureds have utter glass coverage, others may have a deductible to sate before the insurance pays.
Does liability insurance cover your car if you are at fault?
Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have “liability only” coverage, then their is no coveragefor your own vehicle if you were at fault.
IF SOMEONE that has no license or insurance and hits your car?
Well, very first lets make a finish sentence out of this: Who pays for the damages if someone that has no license or insurance hits your car? The reaction is different for medical expenses and physical harm to your car. Medical expenses can be paid by your insurance company if you have “uninsured/underinsured” coverage. This type of coverage is usually very inexpensive and I recommend everyone has it. Literally a few dollars per year. For property harm, you can sue the person, or your insurance can pay for it if you have total coverage (comprehensive/collision) insurance. Then it becomes their problem if they want to sue the person or not to get their money back.
Car is at fault but they have no insurance?
I can tell you what happens in the State Of Alabama… Where we have a MANDATORY insurance law… To “protect” the law obiding, insurance carrying citizens from suffering a loss due to an uninsured motorist…..
Even tho’ we have a LAW, it is a paper tiger..
I have dialed numbers until my fingers are blistered. I have talked on the phone until my ears are sore and my mouth hurts. In the end, I have been transferred, given wrong numbers and told to contact my congressman to “strengthen” our mandatory insurance law..
I did find out one thing however, we have a form called an SR-13 that can be downloaded from the Alabama Dept. Of Public Safety website. Even tho’ this has nothing to do with the law or disturbance of it, it is tied to an old law that protects people from suffering a loss in the event of an accident with someone who has no insurance. Basically, their license will be suspended from anywhere inbetween Two and Ten years. Depending on the circumstance. If you are in Alabama, call the Dept. Of Public Safety and ask about this form or go to the website… http://www.dps.state.al.us/ and go after the quick links.. If you’re not, contact the same department in your state and commence there. Hope this helps.
If you have basic insurance someone is faulted by hitting your car what should be done?
You will need to make a report to both insurance companies. Even however you are not at fault your insurance company will still want to know. Unless the other party takes the blame right away and tells there insurance company that it was there fault then you do not need to tell your insurance. But I always recommend that you always talk to your insurance company about the accident.
What can you do when someone hit your car and has no insurance?
If you maintain collision insurance on your vehicle, you can claim under it. The insurer will pay the reasonable cost of repair subject to the policy deductible. That said, most states have laws that require that an insurer proclaim a vehicle a total loss if damages exceed a stated percentage of its actual cash value. In that event, the insurer pays the insured the actual cash value less the policy deductible. If you do not have collision coverage, you are free to file a civil lawsuit against the at fault driver. If he/she has liability insurance, the insurer will either defend liability and/or damages through an attorney hired to represent the other party, or, if the insurer agrees that its insured was at fault, may voluntarily pay the claim. If the other party has no liability insurance, you may still sue him/her and if you prevail, you will obtain a judgment. Judgments are not self-executing, meaning that you have to take further steps to collect if the defendant does not voluntarily pay. One effective means of collecting is to provide a copy of the judgment, the police report and other required documentation to that office within the Department of Motor Vehicles that enforces financial responsibility laws. Most states have a provision permitting for the suspension of licenses and tags of persons who do not pay judgments relating to auto collisions. That usually gets the other person’s attention.
If you have no insurance on your car and someone hit you will they pay?
Their insurance is suppose to pay if it was their fault. That is right, but you are not insured which is against the law. That is likely to cause the normal procedure to be diffrent. If I was the agent you would get a fine (very large)!! Anotheranswerersays : Look at the OJ Simpson case: With enough highly-paid lawyers (or judges), even YOU can get away with murder.
What happens if you have no insurance and you were hit by someone with car insurance?
In ontario, The person that hits you’s insurance has Accident benifits, and they will pay for your medical bills if they were at fault. But if you were drviing without insurance.. consider yourself screwed. Pretty much the same in most states in the U.S. If they were at fault their insurance may pay for your damages but you can still be fined for driving without coverage, license suspended or revoked etc.
Someone hit you an Neither I or other driver has insurance on our car who is at fault?
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault. .
What do I do if I have no auto insurance and someone hit my car?
If the person who hit your car is the cause of the accident, then it doesn’t matter if you have insurance, since the other driver’s insurance company is obligated to pay for the harm (assuming that you can prove your case). If the case the way around then the case might be a big problem. Never hesitate to get insured. It is in the mind of people telling they’re costly. Think of it hitting others car.
If you only have liability insurance and someone hits your car and leaves should your insurance cover the damages done to your car?
No. Physical Harm coverage to your own vehicle would be covered in this example if you purchased the coverage, but liability only would not repair the damages.
Your car was hit and was not your fault does your insurance go up?
Depends on your policy. Some policies will forgive and accident of this nature. Some companies base it on how much they have to pay out on a claim.
What can you do to someone who totaled your parked car and they have no insurance?
Begin off by contacting the police very first and making a accident claim. After that, file papers in petite claims court to sue them. People who owe money to the courts and to the government can have their wages garnished, and “I think” that if the person is sued for damages, the judge could impose garnishments on their wages. May take a long time for them to pay it off, but at least you would get something out of it.
If you hit someone with no-fault insurance will your car be immobilized?
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
Does liability auto insurance cover your car if you hit a pole?
No. Liability insurance will only cover your liability for property harm/injuries to others. In this case, it would cover the harm to the pole you hit. Your liability coverage will never cover harm to anything you own. You would need collision/comprehensive coverage to cover harm to your car.
If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have total coverage insurance, your car will be repaired totally and your portion of the repairs will be whatever your deductible is.
Will insurance cover the car i hit if im not on policy?
It depends on the state, policy, and company. Some will if you were an authorized driver of the vehicle and you had an accident.
What can you do if a car hits your car and you have no insurance but he does?
If the other party was at fault for the collision (negligent), you should assert a claim against the other driver/proprietor. Contact him/her in writing, assert the nature of your claim, and ask that they contact you to pay for repairs. Copy the insurance company with the letter, and make reference to the policy number in the letter so that the insurer can identify it and assign an adjuster. Ideally, you should get a repair estimate before or while you are doing this. Take pictures of the harm, too. If no one responds within a reasonable time (10-14 days or so), you are free to file suit. The court in which you file will depend upon the court rules of your state, as different courts have different monetary jurisdictions, so you should contact the Clerk of Court for guidance. The lawsuit needs to be filed with the Clerk (for which there will be a fee), and a copy of the suit papers served (delivered) to the person(s) being sued by the Sheriff or a private process server (who will also charge a fee). The matter will thereafter proceed through the court system, and it will be your cargo to prove at trial that the other party was at fault for the collision. If the other party was not at fault and you have no physical harm insurance on your car, you will have to pay for repairs yourself.
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 if someone totals your car and they have no insurance?
You need to ask them to compensate you directly out of their own pocket. If they don’t you may have to take them to a civil court and have an order put against them to pay your damages.
Does lilabilty insurance cover a deer hitting a car?
Generally when it comes to hitting an animal your insurance angency will only make you pay your deductible. Sometimes it is entirely covered.
Will insurance cover a rental car for me if my car is totaled?
When renting a car it has basic insurance , whereby you pay an excess depending on the company depends on how much your excess will be. You do not pay for the total harm to vehicle. You have the option to take out CDW (Collision Harm Waver) where you pay a little extra again price depends on company. If there is then even a cracked mirror , you pay Nothing
What do you do if you get into a car accident and have no insurance and your at fault?
Plead and Pay. You will be responsible for all costs associated with the accident. If you don’t have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should attempt and work out a payment plan with the insurance company. Depending on the state you live in you will very likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in total. You may be able to get a limited permit to go back and forward to work only.
What happens not your fault someone hits your car but does not phone their insurance company?
You can always file a claim on their policy. If they do not cooperate with their insurance company, the company has to give them the state required days to react before they make a ruling on fault.
Will your insurance cover your car if you were at fault?
If you have utter Coverage Auto Insurance, Then the Comprehensive and Collision portions of your coverage would pay for damages to your own car. If you just have liability insurance only. Then you just have coverage for the other car and there is no coverage for your own vehicle.
What if you are hit in a car accident and you are at fault and the person who hit you has no insurance?
In case of Car accident if your car is having valid insurancepolicy at the time of accident then you are liable to get the claimfor the loss. While different companies have different disbursementpolicies and depreciation charts which would be followed for claimsettlement process. Turtlemint car insurance offers a faredepreciation chart and effortless claim process which simplifies thecomplete process and helps to get the tasks done hassle-free
How does no fault auto insurance work if you hit a parked car?
No Fault insurance ONLY deals with medical injuries to you if you are driving. No Fault has nothing to do with property harm liability. If you hit a parked car, then your Property Harm Liability coverage would pay to repair the parked car and your own Collision coverage (if you have it…it’s optional) would pay to repair your car.
Can liability Insurance cover you when hit by a stolen car?
Not usually. If you are attempting to make a claim from the stolen car’s possessor, you likely won’t get coverage. Most liability policies have an exclusion for ‘intentional acts’ or claims arising out of the criminal use of a vehicle, which would include if the car was stolen. But if you have uninsured motorists coverage (many states require it), then you’ll be covered anyway from your own policy and won’t need to make a claim against the holder. Also….you would likely have individual liability against the thief so you could attempt to collect against that person.
What is the meaning of no fault car insurance?
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
Does your plpd insurance cover the damages to a car that you hit?
I am assuming that you are making up some abbreviation by using the plpd. The part of the policy that would pay for the damages to the car you hit if it was your fault would be Property Harm Liability Coverage.
What can you do if someone hits your car from behind and totals it but you dont have insurance and they do?
If it was their fault, their insurance company will cover thedamages of your vehicle. I would hope that the person at fault hasfiled the claim already but you need to make certain. I also hopethat a police report was done at the time of the accident.
What can I do when someone hit my car and has no insurance and I don’t have insurance?
You are most likely out of luck unless you can afford a civil lawsuit.However, to do that you would need a police report and you wouldface consequences for driving without insurance. You should parkyour car until you can also afford the insurance to drive legally.