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If you have a car accident in someone else's car and they have full coverage will that cover the damages to the car you hit?
Wiki User
∙ 8y ago
Usually, if the driver had the owner's permission to drive.
What happens if the car is owned by the person that has the accident but the insurance is in your name? However you no longer want to be in that relationship or to have to pay that insurance?
Wiki User
∙ 8y ago
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What is the difference between liability insurance and full coverage?
Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.
What type of insurance will pay for damages if you are the victim of a hit and run?
Uninsured motorists coverage is the coverage that is designed to cover this type of accident. Collision will also cover it if you don't have uninsured motorists coverage on your policy but you may be charged with an accident on your policy. A-Plus answer Comprehensive Coverage.
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.
What does liability coverage mean?
Liability coverage covers you if you are found liable or at fault for damages. In the case of auto insurance, for example, this coverage pays for damages you cause in an accident that is you fault. This coverage will NOT cover your car damage, however. Just the other drivers car, medical bills, & other property damage.
What happens if the damages in an accident exceed the insurance coverage of the person at fault?
You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :
If you are in an accident with someone whose insurance lapsed but you have full coverage will your insurance cover it?
Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.
What does Full Coverage cover?
Full Coverage covers usually refers to having maximum liability, comprehensive and collision coverage on your policy. Maximum liability coverage covers third party injuries and damages when you are found at fault for an accident. It also gives you comprehensive and collision coverage that will cover repairs to your car if you are at fault for the accident, or something out of your control happens (vandalism, hit a deer). It is referred to as full coverage because your assets are covered as well as thrid party assets.
What does the insurance do when you are still paying on a truck and someone hits you and it gets totaled?
If the person who hit you is the one at fault in the accident, then their insurance should cover the cost of the damages to your truck. If they don't have insurance, or if they don't have enough to cover all of the costs, then yours should kick in and cover the balance if you have full coverage and not just liability insurance.
If you only have liability insurance and someone hits your car and leaves should your insurance cover the damages done to your car?
No. Physical Damage coverage to your own vehicle would be covered in this instance if you purchased the coverage, but liability only would not repair the damages.
Can you still contact your full coverage insurance company to repair damages to your car if the accident occurred a year ago?
Sure. It certainly frowned upon, because often if you don't repair the damages to a vehicle, further damages can occur (frame damage, for instance, can mess up a car pretty badly if driven on for a year after the accident). Your carrier will make a note of it to their underwriting department, and depending on the seriousness of the damages or whether or not you mitigated your damages (ie, didn't incur further damages), it could affect your policy. But...at the time of the accident, if you were paying premiums for coverage on your car, your carrier is contractually obliged to take care of those damages. Just don't be surprised if they won't cover additional damages that resulted from not having the vehicle properly repaired right after the accident.
What will collision insurance cover in the event of an accident?
Collision insurance will cover any damages to your vehicle (or refund you the value of the car in the event that it becomes totaled) in the event of an accident. Collision insurance coverage typically only applies when you are the at-fault driver in the accident. Collision coverage covers any sort of collision whether it be with another car, a pot hole, a tree, a guard rail, a ditch, etc.
Does liability coverage cover the person driving and causing the accident?
Liability coverage offers coverage for bodily injury and property damage to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
