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If a hit and run vehicle knocks an insured moving vehicle into your liability-only parked vehicle whose insurance pays for damage to your car?
Wiki User
∙ 16y ago
The "At Fault" party is responsible for your damage, 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 damage.
=== === == 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 try 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.
Wiki User
∙ 16y ago
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What does the term 'insurance collision' mean?
Insurance collision is a form of automobile insurance that covers physical damage. In most situations the insurer pays for the insured injuries, damage to the vehicle of the insured, and if the insured is at fault it pays for the damage to the other vehicle, and the other driver.
What is a type of vehicle insurance that covers damage sustained by the insured's vehicle in an accident?
Collision
What is the type of vehicle insurance that covers damage sustained by the insured vehicle in an accident?
C. Comprehensive
What does pd insurance stand for?
PD insurance stands for Property Damage. It is a portion of the liability insurance required by most states. This is the part of the policy that will pay for damage that the insured vehicle caused to another person's property, such as a vehicle or some other property.
Why should one get a commercial insurance for your vehicle?
One should get commercial vehicle insurance if they have a business with a fleet of cars, SUVs, trucks or vans. They can all be insured under one commercial vehicle insurance and be covered in case of accidents or damage.
Why doesn't your home insurance cover damage from a vehicle which is not insured under auto insurance?
That is not necessarily true. That is, if an uninsured vehicle runs into your house and causes damage to the house, your own homeowner's policy will generally pay for the repairs to the house. Naturally, payment will be subject to the terms, conditions and limitations of the policy. Further, the amount recoverable will be limited to the total amount payable under the homeowner's policy. If, instead, what you are asking is whether homeowner's insurance will cover damage to a vehicle, the answer is no. They are 2 different types of insurance covering 2 different kinds of risks. Premiums (the amount paid by the person insured) are determined by the nature of the risk(s) insured, the persons or entities insured, and the activities insured. Those factors differ between auto insurance and homeowner's insurance, so a total premium cannot be melded.
What is it called when one insurance company is repaid by another insurance company?
Subrogation, It's basically when an insured's insurance carrier pays for the damage done to their vehicle, even though it was the other parties fault. The insured's carrier will then go after the other parties carrier for reimbursement.
Is an insured driver on your policy responsible for damages that they have not repaired on your vehicle?
== == In the event that you got into a car accident and it was not your fault but the other driver's, if he is insured, his insurance company is liable to pay for the damages of your vehicle. On the other hand, if the other driver is not insured, your own insurance company, provided you have a policy regarding uninsured or underinsured drivers, will be responsible for the damages your vehicle has incurred. They however, may have a right of action against the person responsible for the accident. The person who caused the damage to your vehicle is ultimately responsible for the damage to your vehicle regardless of whether there is an applicable insurance coverage or not. Whether you actually have the repairs done is none of their business.
Does auto insurance cover damage to city property?
If the damage was caused by the negligent operation of an insured motor vehicle, and if the motor vehicle was covered by liability insurance, barring other factors, there should be coverage. That said, all claims are decided on their own facts and are subject to the terms and conditions of the insurance policy.
If an insured motorist hits an uninsured vehicle and the insured motorist claims it is their fault who will pay for the uninsured vehicle?
regardless of whom is insured or not, the 'negligent' or liable party is responsible for the damage or 'to make whole' the injured (this means damage to vehicle as well) party........ i think the insured should pay since it was there fault
If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage?
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
DOES auto insurance COVER you or your auto?
It depends upon the kind of insurance to which you are referring. Physical damage coverage (collision and comprehensive) covers physical damage to the vehicle insured according to the policy terms. Liability insurance protects you from claims by third parties who may have sustained damages as a result of your careless in operating an insured vehicle. The scope of damages can be either property damage or bodily injury damages. Personal Injury Protection insurance (often referred to as PIP or no-fault coverage) pays a portion of your own medical expenses and lost wages if you are injured in a collision. The insurance follows the vehicle, not the driver, so if you are a driver in another vehicle, that person's insurance is the primary insurance company unless their limits are too low and then the driver's insurance company would provide excess coverage.
