0
If someone borrows your car and total loss it will the insurance company pay for damages?
Wiki User
∙ 11y ago
Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.
Wiki User
∙ 11y ago
Add your answer:
Earn +20 pts
If your car is hit and you have no insurance is the other person liable for damages?
If someone causes damages to your property, they are liable. This means, however that you have to deal with their insurance company directly, rather then your insurance company doing it for you.
Will a insurance company pay for the damages done to your car by someone who stole it?
Insurance is supposed to return the car to the condition it was before it was stolen.
How does auto insurance subrogation recovery suit work?
It depends on which side of the event you're on first. Basically, whenever you have someone hit your vehicle that has no insurance you are making an uninsured motorist claim. This is normally where subrogation comes into play but it can work the same in any situation where a third party causes damage to your property and your insurance company comes in to pay for the damages for you. In these cases you sign over your rights to collect from the third party to your insurance company in exchange for them going ahead and paying for your damages. The insurance company will then go after the party which caused the damage and collect any damages that they caused instead of you having to take them into court and then try to collect for your damages. The insurance company basically does all this for you as you assign them your rights to the insurance company.
What does liability insurance protect against?
You can be sued for injuring someone, even unintentionally (as when someone gets hurt on your property). Then you are liable for damages. Liability insurance pays the damages if you lose a lawsuit.
How do you determine the value of scarring due to the negligence of another person in an accident when reporting it to the insurance company?
If someone is seeking damages from an injury as a result of an auto accident and they are not satisfied with the offer from the insurance company I would suggest that a lawyer be consulted.
Does landlord insurance cover car damages on property?
No, that's what car insurance is for. If someone hit your car, that person is the one liable for your damages, not the property owner where it was parked.
How does No Fault work if there are no injuries only vehicle damage?
Most "no fault" laws apply only to injuries, so in other words, if someone else damages your car, you can get the damages taken care of by their insurance company (or use your ins company and they will go to them for you possibly). Michigan is the only state I know of that is completely no fault, i.e. for property damage you go through your own insurance company
Can your insurance go after someone that damaged your car and get your deductible back?
Yes. If someone hits your vehicle and the insurance company pays for the damages, they will go after the person who was at fault for the damages paid and after they collect all the money paid out they will reimburse you for the deductible that you paid when the vehicle was repaired. The damages were paid under your uninsured motorists coverage which has at least a $250 deductible for property damage so when all the damages are recovered from the person, that will include the deductible and you will get a check back for that amount.
What if someone hit you would the lender of your car pay for the damages if you had no insurance?
yes
Should insurance get involved for paint scratches if the car scratched is not at fault?
Your insurance policy is designed to protect you and your assets. If someone else is making a claim against you for damages, even an unsubstantiated claim, your insurance company has a duty to review the details of the claim and handle accordingly. It's what you pay them for. If you were not negligent, your insurance company should determine that and notify the party making a claim against you that you are not liable for their damages. As for your own vehicle, if you don't want to file for the damages under your collision or comprehensive coverages (whichever is appropriate for the situation), you don't have to. However, if your insurance company wants to complete an estimate of your damages and take photos, you are required to comply. Part of your policy contract with the insurance company includes a section called 'Conditions' and that section states that you agree to cooperate with the investigation of all claims.
Does your insurance cover your car when an uninsured driver is driving and have a wreck?
It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your insurance carrier or refer to your most recent coverage letter from the company.
How much will a insurance company pay if someone hit you intentionally?
Hopefully, you have full coverage insurance your own auto insurance will cover your damages. Auto Insurance polices provide coverage for accidental losses and certain other losses beyond our control. An "Intentional Collision" is not an accident and therefore would not be covered under the terms of the offending drivers insurance policy. If someone hit you intentionally with a motor vehicle, in the United States this is considered a "Vehicular Assault" and is a Felony. With only a few exceptions, the assaulting drivers insurance company has no liability or obligation to pay for damages resulting from the criminal activities of it's insured.
