First of all, it is important to know what state you are in, because some states will offer BOTH Collision coverage AND Uninsured Motorist coverages, but in some states, you are not able to carry BOTH. For instance, in Texas, you can carry both, in Ohio and many other states, you must carry one or the other. If it is a certainty that the At Fault driver does not have ANY insurance available to them, you will need to turn to your own coverage. If you carry UM coverages (uninsured motorist property damage/UMPD), and your carrier confirms there is no coverage on the at fault vehicle OR driver, the UMPD coverage steps in and 'acts as' the other party's Property Damage coverage. You will pay the first $200-300 of the claim (typically, $250, but varies by state. THIS IS NOT A DEDUCTIBLE. The reason it is important to note that is, a deductible (used in collision coverage) allows you to choose the AMOUNT; your premiums will be affected by the amount of your deductible. That option is NOT available under UM coverages. If you or any passengers are injured, you can also avail yourself of any UMBI coverages. Again, this steps in and handles all injury claims that may arise in YOUR vehicle, resulting from this accident. If you do NOT have UM coverages, but have collision coverage, you can use that coverage. YOUR insurance carrier will attempt to recover any monies paid out and will reimburse you any deductibles that you incurred. If you do not have EITHER of these coverages (and you SHOULD always carry one or the other or both), you can try to recover any monies YOU personally pay out in direct relation to this accident in small claims court.
In the event of an accident you would take the car to a repair shop approved by your insurance company and then they would determine whether or not your car is worth fixing or to payout the "Kelly blue book" value of your vehicle.
Here in Canada we have NO-Fault where each insurer is responsible for their own insured. In that case, the other party's carrier would repair the vehicle, and then subrogate on your company.
Unless you are "fixing" a faceshield or a visor, Helmets cannot be repaired. If it was in an accident, it's "used up" Buy a new one.
Damaged in what sense?
You are liable for everything. Fixing the car, paying for the car (the balance of the contract) and repo fees.
Yes, car insurance can pay the value of the car instead of fixing it. This will happen when the cost to fix it is greater than the current value. It is then not worth fixing, from a financial perspective. This is what is meant when you say that your car has been "totaled" (it was a total loss).
yes twice
Typically a break down cover company offers to come and retrieve your vehicle or if it can be fixed at the roadside fix it and get you on your way. However a car insurance policy only covers the financial cost of fixing the car.
Re-fixing damaged supports of the building, or add something to it to support it.
Fixing a car with insurance money depends on a few things. If you are at fault and file an insurance claim, it is likely your premiums will be higher for the next few years. The severity of the damage may determine your decision. If it is a small issue, or one that does not affect the performance of the vehicle, it may be one that you just decide to live with. Also, if your deductible is high or the cost of the repairs is low, it may not be cost effective to use insurance money. An older model may not be monetarily worth fixing if it is a small issue either.
elecronics need fixing or alternator need replacing elecronics need fixing or alternator need replacing
Absolutely