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If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?
Wiki User
∙ 8y ago
No, Liability Insurance is just as it says, Liability only pays for damage you cause to another. It will not pay for damages to your vehicle if you had only liability coverage.
s from other contributors
Usually they don't. If you had no type of uninsured motorist protection which doesn't cost that much it's in your hands basically to repair your damages. You could sue the assailant for everything they are or ever will be worth but after you win the case they will eventually declare chapter 7 bankruptcy and you'll never get anything from them.
Take my suggestion and GET uninsured motorist coverage on your next vehicle. It may cost a little more but it's well worth it.
another answer:
I live in Texas, and, yes, the liability only pays for the other vehicle, assuming you were At Fault. If the other driver was at fault, their insurance should pay you. HOWEVER, I want to explain something that most people don't know. If you have only liablility, and your car burns, you hit an animal, a tree falls on it, or ANYTHING that is not your fault, including running off the road and hitting something, you are just out of luck. BUT, if you have "COMPREHENSIVE INSURANCE" you will be covered for all of these things. Comprehensive insurance is VERY inexpensive, and if you have to file a claim using it, your rates will not increase. I drive older vehicles, and full coverage isn't feasable, so, I have liability and comprehensive on them. Several years ago, one of my trucks burned, and I was comphensated very fairly for it. If I had had only liability, well, I'd been walking. Please check it out if you are used to paying for only liability. I don't think comprehensive will pay if the other person just didn't have insurance, but, it will pay you if an "act of GOd" has happened, something unavoidable, like fire, and accidents not involving other vehicles.
billlyh
In the state of Kentucky they have "no fault" insurance which is mandatory even on only liability....so you're covered in the event someone else causes the accident. However, after your car is fixed and there is no other insurance company to collect off, then your insurance will go up to pay for the claim. There is also "uninsured/under insured" riders. Check with your insurance company and state Dept of Insurance.
Wiki User
∙ 8y ago
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If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Whose insurance should you call after an accident?
After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.
Insurance for mobile mechanic repairs?
You need commercial General Liability Insurance
You have only basic liability coverage and wrecked your car is there anyway to get help for comprehensive?
Unfortunately if you do not have comprehensive insurance on your vehicle, there is no way to get it retroactive, or after you get in an accident. If it was the other driver's fault then their insurance should pay for your repairs.
What describes property damage liability insurance coverage?
Property damage liability is the coverage section of your liability auto insurance that will pay for physical damage to the vehicle or other property of another person if you are At Fault in an auto accident. This coverage would pay for repairs of the person's car or whatever else is damaged.
What best describes property damage liability insurance coverage?
Property damage liability is the coverage section of your liability auto insurance that will pay for physical damage to the vehicle or other property of another person if you are at fault in an auto accident. This coverage would pay for repairs of the person's car or whatever else is damaged.
In a car accident and no insurance?
Then you are going to be out of pocket. For the repairs and possibly a fine.
If you rear-ended another car but the police were not called can the other driver demand money for repairs or your insurance information?
Yes. In a rear end accident, the liability is still there even if police are not called.
If you have an auto accident and don't have insurance will the person responsible for the accident insurance pay for your repairs?
dont do nothing just relax and watch a movie
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle?
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.
Are tere more than one kind of pl and pd insurance for your car?
PLPD Insurance is personal liability and property damage insurance. This is an economical type of insurance where the insurance company will pay for repairs and damage done on another persons vehicle if you were found to be at fault in the car accident. There are different levels, or kinds, of this insurance.
How many bids should you get when need collision repairs?
When you have experienced an accident which involves costly repairs, it is advisable to get estimates from at least three auto repair shops. These three estimates are for insurance purposes as well as keeping all parties involved honest about the repairs needed.
