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No, If the mechanic is an employee and you were liable for his injury he would have to be covered under work mans comp. If he was hire for service then the mechanic would be covered under his own commercial insurance or his own personal medical insurance policy.
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Can you use uninsured car insurance towards your car if you don't carry collision?
An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.
If an insured driver was driving your uninsured car would their insurance cover an accident?
Only if the driver was responsible and only for his liability
Does uninsured auto insurance cover property damage?
If you are uninsured then of course not.
Will uninsured motorist cover damages caused if the other vehicle is stolen?
Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.
Does Liability insurance cover your medical or the person with you in the accident?
Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.
What is the definition of third party liability?
third party liability coverage is personal liability coverage that protects the customer from damages they incur due to the wrongful acts of others when the liable person is uninsured or underinsured. The coverage is designed to cover bodily injury, property damage and personal injury resulting from occurrences not involving an auto in which a liable third party is at fault, but is uninsured or underinsured. For example, this would cover a policyholder if a dog attacks his child and the dog owner is not insured or is underinsured, or if a policyholder is injured at a party on a deck that collapses and the homeowner is not insured or is underinsured.
What is uninsured motorist property damage?
Uninsured motorist property damage, or "UMPD", is basically a form of auto insurance that's one step above liability. Basically when you drive a car and only have liability, your insurance will only cover other vehicles in case of accident, as someone's else's liability or other insurance would cover you if you happen to have gotten hit. Now, if you were to get hit but that person lacked insurance and you only had liability, your only other option to recover any money would be to file a lawsuit. However, lawsuits are simply court orders to pay money and aren't necessarily guaranteed. UMPD would cover your car in case someone happened to hit you and they happened to lack insurance.
Who is responsible the mechanic or the customer if the mechanic has a breakin and the catalytic converter is stolen off customers car the mechanic or the customer?
The mechanic. He should have liability insurance to cover it. A lot of the service tickets have fine print about the shop not being responsible for fire theft, or other damage. So if you have signed a ticket, they may not be responsible.
What does uninsured motorist coverage mean?
Uninsured motoristUninsured Motorist coverage (which is required coverage in many states) covers injuries that the driver and occupants of a car sustain when the at-fault vehicle was not insured for liability coverage. UM does not cover the physical damage to the vehicle. UMPD (uninsured motorist property damage), where available, covers that physical damage. UMPD is essentially similar to collision coverage, which is first party insurance that pays regardless of fault, subject to a deductible.Uninsured motorist coverage pays essentially the same type of benefits (such as for pain and suffering) as the liability insurance of the other party would pay if the at-fault party had liability insurance. Additionally, the uninsured motorist insurer will generally evaluate a claimant's injuries in much the same way as a liability insurer would, and the claimant is subject to a reduction in damages for contributory or comparative negligence according to the law of the jurisdiction.
Does motorcycle insurance cover uninsured drivers?
Some policies can.
What happens if you are hit by an uninsured teen driver and they are found to be at fault?
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
What does uninsured motorist and under insured motorist insurance cover?
Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negligence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her. In that respect, it operates similarly to the evaluation of the injury and damages if the at-fault party did have bodily injury liability coverage. Underinsured motorist coverage serves essentially the same purpose. However, it is triggered when the at-fault party's bodily injury liability coverage is less than the injured party's uninsured motorist coverage. Further, in order to be triggered, the "value" of the injury must exceed the liability coverage of the at-fault party.
