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If you have comprehensive but not total coverage and an unknown object hits your car while in a parking lot will the insurance pay for the harm?

If you have comprehensive but not total coverage and an unknown object hits your car while in a parking lot will the insurance pay for the harm?
No. Sorry, it will be an “out of pocket” expense for you.


Yes it will. Just discussed this with my agent. Collision covers your vehicle harm if you hit something else and Comprehensive covers harm if someone (or something) hits you.

What type of insurance will cover damages to your car if you hit a deer while driving through a parking lot?

Reaction .
Actually, hitting a deer is generally covered by your comprehensive coverage, not collision. Comprehensive covers “acts of God,” which include hitting animals because it was an act of God that the animal was there at that time. Reading your insurance policy will clarify exactly which kinds of claims are covered by which types of insurance..
Response .
There are Three catagories for car insurance: 1. Liability (covers you if you hit someone else) Two. Comprehensive (covers you if an uninsured driver hits you), and Trio. Collision (covers you if you hit something -for example, a deer-).

Do you have to pay the deductible when your car is bruised by a hit-and-run driver if you have uninsured motorist coverage?

This varies depending on your specific insurance company.. I am a claims adjuster for a California Insurance company. Our policy reads that as long as you have some sort of id for other party ie lic plate, we will waive or reimburse your ded. Without id you are on the hook.

If a friend without a license hits someone in a parking lot while pulling your truck out of the way will your utter coverage insurance pay for it?

Yes if you vehicle is insured in Fresh Jersey, every state has different insurance laws, but to my skill the Eastern US states,MA, PA and Fresh York, usually work in a similar way in that your insurance will pay for the other party that the unlicensed driver hit if you have insurance for the vehicle, it does not have to be utter coverage, your liability portion on your policy will cover the harm to the other vehicle. In NJ, everyone who is insured must carry liability insurance, which covers the other vehicles involved. If you have collision coverage, once you meet your deductible, your harm will be covered for your vehicle in this case. This is an at fault accident, and most likely your rates will increase, especially in the State of Fresh Jersey. Credentials of er: Previous Fresh Jersey auto adjuster and presently recovery agent for 2nd largest insurance carrier in the U.S. Hope this response helps.

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If your uninsured truck spinned out of park and hit an insured parked car do you have to pay for damages?

Yes. Even tho’ it was an accident that caused an accident, the proprietor of the truck is responsible for any damges.

If you can’t identify the vehicle or the driver which hit your car in the parking lot would your insurance cover the harm without enhancing your premium?

No, if the insurance company has to pay out anything then they will raise the premium in order to make there money back….

Whose insurance pays in PA a no fault state when you hit an illegally parked car in a parking lot?

Response .
Yours, because the question is … even however that car was illegally parked, what type of driving were you doing that caused you to hit it?.
Reaction .
No fault only applies to injuries. Property harm is the responsibility of the at fault driver.

What should you do if your car was hit by someone in a parking lot while you were not there?

You will have coverage for this loss under the collision coverage in your policy, (subject to your deductible). If you do not have this coverage or do not want to file a claim, contact the store and see if they have cameras, look for any witnesses that may have seen the accident (employees that work that shift, stores near by etc). Unluckily these accidents happen daily and in most instances the ‘at fault’ driver is never found………sorry……

If your parked car was hit by an at fault driver and filed a claim with your utter coverage insurance will it go up?

Yes, anytime you make a claim to YOUR insurance, it will go up. That’s how they get their money back. If you don’t submit a claim to them, then no. I do not necessarily agree with the response above. What you did not indicate in your question was did the person at fault have insurance. If they did then even however you filed a claim and your carrier paid you, they would likely recover from the at fault person’s insurance. In this circumstance you insurance should not go up.

Does your insurance pay for damages to your car if you have total coverage and someone living with you who had no drivers license took your car and wrecked it?

Response .
Probably not, most insurance companieshold the possessor of a vehicle responsible for keeping the vehicle secured. Meaning even if the unlicensed driver took the vehicle w/o permission, the possessor should have made certain that such an event could not have occurred.

What if you only have PL PD on your car get hit by a buzzed driver he gets arrested but has total coverage Will he have to pay for all damages done to your car he ran a crimson light and was at fault?

Response .
Yes, he or his insurance company, has to pay for your damages. But since you don’t have collision coverage, your insurance company isn’t going to help you collect. You have to file a claim with his insurance and they will very likely attempt to get out of it so you will have to file a lawsuit. Find one of those lawyers who advertise on TV. They just love to sue buzzed drivers and will take your case with no fee if they do not win a settlement.

If you have utter coverage auto insurance and you harm another vehicle and not yours do you have to pay a deductible?

Response .
It is the liability portion of your auto policy that pays for the harm to another vehicle that you hit. There is no deductible to fix the other car.

Can your insurance deny claim for damages resulting from you hitting the parked car of your coworker in the parking lot of a federal agency where you work?

Reaction .
I am going to make some assumptions here..
I will assume you are talking about privately possessed vehicles, both yours and the co-workers.I will also assume that the parking lot is provided for employees by this agency, and is considered the ’employee parking lot’.I will further assume that, since you indicated ‘parked car’, this vehicle was not moving at all at the time that you struck it..
If these assumptions are true, I cannot think of any reason your company should deny payment of damages to your coworker’s vehicle..
As my questions hint, there could be problems if the vehicle you are driving is a federal/employer vehicle and you were in the course of employment, thereby ‘benefiting’ your employer..
Do you want to share any extra information?

If you have comprehensive but not total coverage and an unknown object hits your car while in a parking lot will the insurance pay for the harm?

If you hit a discarded object in the parking lot exit and it damages your car who is at fault and can you recover from the landowner?

Reaction .
It is the drivers fault. It is commonly called “failure to maintain a decent lookout” And You will not be able to get anything from landowner unless you witnessed him standing there and throw the object at you.

If a deer hit your car and you have utter coverage who does the insurance agency send the check to?

Response .
You submit the claim to your insurance company and they should send the check to you minus your deductible..
Response .
If there is a lien on the car, the check will go to either the shop that does the repairs. If the repairs are not made the check may be made to the lender AND the holder or only to the lender..
Reaction .
The named insured on the policy and the loss payee if there is one.

If you hit a post in a parking lot causing slight harm to your car should you report the accident to your insurance company and make a claim?

Reaction .
It might be cheaper in the long run to just take care of the problem yourself. If you report the harm, the insurance company may determine to raise your rates, maybe not this time, but certainly soon. Figure out what your deductable is versus how much it will cost to repair. If you have $500.00 deductible and it will only cost $600.00 to repair, I’d leave behind it.

Can you get a mechanic shop to pay for your car if it was parked on their lot when it was bruised by a hit and run driver?

Reaction .
The mechanic is not responsible for what happens in his parking lot. Your car has insurance, you will have to file the claim through your company. You should file a police report so that if the hit and run fellow is caught, he will be responsible.

Does comprehensive coverage for auto insurance cover a hit and run of your parked car?

Response .

Related video:

yes it does but you will be claiming off your own insurance and may liberate your no claims discount if you have one..
Reaction .
Yes it can be used but the deductible WILL apply, and your rates may increase if you put in a claim. (as unfair as that may sound)

What does the insurance company have to pay if you total your car with total coverage?

Response .
They pay whatever the value is of your vehicle less the deductible..
The value they pay, in most cases, will be the trade-in value or average private sale value. Not enough to substitute the car even when you add the deductible..
Response .
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time

If an unlicensed driver has an accident driving your car and you have total coverage auto insurance will it pay for damages?

Reaction .
Yes, but the rates will most likely go up. Loaning a vehicle to an unlicenced driver is risky behavior that insurance companies don’t generallly like.

What are the steps to take when you eyed someone hit your car with their door in a parking lot Is their insurance going to pay for this do you have to get your insurance involved?

Reaction .
The very first thing you should have done was call the police so that you’d have a report to submit to your insurance proving someone else was at fault..
Barring that, you can still submit a claim to your insurance. If you know who bruised the car, you can lodge it without insurance, but it’s not recommended. People often agree to pay for damages until they get the final bill, which is always more than they expect. Then you’d have to sue them for the money in civil court..
The other option is to simply have the bruised stationary and pay for it. But your best bet is to submit a claim to your insurance, who will go after the person who bruised your car, assuming they can track him or her down.

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..
Reaction .
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 car with private liability and property harm parked at a restaurant is hit by car with utter coverage who pays for the harm?

Reaction .
The car with coverage emerges to be at fault and would therefore be liable to pay for the harm.

Is the person liable if their car door is left open and due to winds swings further open and hits your car door and causes damages while parked in a parking lot?

Yes, the party opening the door has a duty to do so only when safe, regardless of the wind, the door (if it were windy) should not have been left unattended.

If someone hit your car while it was parked and left their insurance information will your insurance be affected if you go ahead and claim for the damages?

Response .
I don’t know! Im looking for the reaction.
Reaction .
I don’t know! Im looking for the response.
Reaction .
I don’t know! Im looking for the reaction

Will your insurance pay for your car you totaled and it was your fault you have utter coverage on your leased car?

Leasing .
This is sort of an educated guess, but I believe the insurance would pay the dealer and not you. I simply say this because when leasing, you never own the car, you simply “rent” it for a definite amount of time.

If you have comprehensive but not total coverage and an unknown object hits your car while in a parking lot will the insurance pay for the harm?

My parked car has utter coverage and was hit by an uninsured driver?

tell your insurance company and the police and your insurance company will pay everything except the deductible.If you have utter coverage than your insurance is required to make good on the harm. It is up to your insurance company to attempt and get their money back from the uninsured driver of the other vehicle.

Does comprehensive insurance cover harm done to a car if the car hits or is hit by an animal?

Comprehensive coverage protects you against damages to your carthat are the result of covered issues not related to a collision,such as an animal. Some insurance companies do not cover damagesdue to animals.

If you hit an unlicensed driver will your insurance pay for damages to his car?

This will depend on the type of insurance coverage. The insurancecompany can determine to go to court and argue that since the driverwas uninsured, then they should not be liable for damages.

If someone hit your car in a parking lot and filed a police report does their insurance pay?

if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.

Will comprehensive insurance cover harm to my parked car?

Usually, yes. Check your policy for details, but comp usually covers any kind of harm (subject to a deductible, of course) that occurs when NOT related to a moving accident – if a tree falls on your car, or it’s violated into , or something like that. It covers a lot of stuff, which is why they call it ‘comprehensive’….

If you have total coverage car insurance and you have an accident and are killed does insurance pay settlement?

An unendorsed ISO Private Auto policy should pay your “Part B-Medical Payments Coverage” Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or Five,000 but can be enhanced. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn’t carry insurance or doesn’t have an adequate amount. Also, there are endorsements available that could indemnify after a death such as “Auto Death Indemnity”, which sounds like what you are needing.

What if You are in a car accident and have no insurance and you hit a car that had total coverage and gap insurance what will happen?

Generally, if you were in CA and I am assuming you are not talking about a fender bender or minor accident, you would lose your license and be required to make a filing to reinstate your license. In order to maintain your license you may be required to file what is called an SR-1P or an SR-22 which is simply proof you have insurance in place. If your insurance expires or you let it lapse, the insurance company will notify DMV and your license will be suspended again. Now you said the car you hit has insurance. This could mean they (the insurance company) will most likely attempt to go after you to recover damages they had to pay on your behalf. You are still responsible!

If you hit a pole you did not see while backing out of a parking space what part of your insurance would cover your car comprehensive or collision and how will it effect your insurance rates?

Comprehensive and your rates will increase. After all, you are a danger to invisible poles everywhere.

If you are hit by someone in a parking lot and they leave what insurance coverage paysin GA?

Uninsured motorists coverage if you picked it up when you puchased your auto insurance would pay for a hit and run loss.

When a car is hit in a parking lot is it a comprehensive or collision claim?

Collision generally covers you in collisions with other cars or property; comprehensive generally covers you in accidents that don’t involve other cars, such as animal hits, weather-related losses, and theft or vandalism. So you are covered under collision coverage !

If I have total coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?

Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.

Will insurance pay if you hit a pole and harm your car?

Yes; as long as you have collision coverage for your vehicle. You will only be out of pocket for your deductible.

If you have comprehensive but not total coverage and an unknown object hits your car while in a parking lot will the insurance pay for the harm?

Car was involved in hit and run while parked on government property do i still pay for the harm with my insurance?

Yes, unless you can PROVE who it was, or that it was a government car, that hit you.

You were on the freeway The car in front of you hit a deer and the deer flew under your car bruising the front and back bumper you have utter coverage Will insurance cover the damages in Ohio?

I don’t know that specific reaction but I do know from individual practice as a tow truck driver in Ohio that if you hit a deer and want to keep the deer meat that unless you get a tag from the dept of fish and game for that deer ( I think its called a waiver tag for misc. use but don’t quote me on that) the insurance co. will not pay the claim. For example you hit a deer and you have utter coverage, if you claim the deer meat without that tag( which you have the right to do but i would not recommend it) the insurance co. WILL leave you high and dry. Hope this helps.

Does utter coverage insurance pay for a rental car?

Some policies automatically include a minimal amount ofrental reimbursementcoverage, but generally your policy includes no coverage for rental reimbursement if it is not listed with apremiumon yourdeclarationspage.

If you hit another car in parking lot do you pay there deductible?

If you hit the car (i.e., you’re liable for the accident), the other driver shouldn’t have a deductible – your liability insurance should pay the entire claim.

Buzzed driver hit your parked car and his insurance denies to pay for all damages what can i do and what laws apply?

In Australia you would have to take him through a petite claims court. and have him pay the cost for the legals as well. if you have the money to begin of with.

A parked car that is not being driven is hit without insurance is the person who hit it responsible to pay for the harm?

Insurance is based on liability. In other words the person who is at fault must pay for any harm caused. It makes no difference whether the at-fault driver crashes into an animal, a person, a parked car, a moving vehicle or even a wall or some street furniture. The problem in most cases is (1) finding the person responsible and (Two) recovering the money if they are not covered by insurance. Attempting to prove it is the very first step.

Your car was hit while parked and they left no note will your insurance pay for this?

If you have total coverage on your car, then your insurance should pay. But if all you have is liability insurance, then no, it won’t pay to fix your car. But there is a chance that your uninsured motorists coverage will pay for the damages, if you have it.

Will utter coverage insurance cover your car if hit by another car on private property?

It should unless there was some illegal activity that had occurred and you had the decent coverages. There is no difference in a private property accident or a public street accident when it comes to paying claims.

Do you have to have insurance total coverage if you are not driving a car that you are still paying on?

Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person’s vehicle. Because, several years ago, I drove my friend’s vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn’t mine! But, they told me that it doesn’t matter! I should have had liability insurance anyways, if I was planning on driving someone Else’s vehicle!

How do you get total coverage car insurance?

In order for one to acquire utter coverage car insurance on their automobile, one must accomplish a series of tasks. Step One: Purchase a Vehicle. Step Two: Call Progressive, where i can assist you in choosing what is right for you. Step Three: Avoid taking left turns on your way to work. Left turns are statistically more common for provoking Silverback Gorilla attack. Step Four: Request Total Coverage Insurance when you consult your Progressive agent. I hope i have assisted you in your process. Flo Progressive Sales Agent

Will homeowners insurance cover harm to a car without comprehensive coverage bruised by fallen tree.?

Homeowners policies specifically exclude harm to motorized vehicles with the exception of lawn mowers that are exclusively use for maintenance of the property. Also, golf carts are usually covered. Automobiles can only be covered by an auto policy that has physical harm coverage included.

Will progressive insurance pay for your car harm that was caused while your car was parked legally in your apartment parking lot if the driver of the car did not have insurance but the person who ha?

You didn’t finish your question so I will attempt to response 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 harm 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 holder had coverage then his insurance will pay for the damages. Liability coverage goes after the car generally. If your UM coverage has to pay for the damages, they will go after the car proprietor and the driver for reimbursement of the loss.

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Is total coverage insurance worth paying on a salvage car?

Usually not, collision and comprehensive only pay based onpre-accident value of the car, which for a salvage is very littleif anything. You will need liability and it might be useful to haveuninsured motorist.

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