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If you have full coverage auto insurance and you damage another vehicle and not yours do you have to pay a deductible?
Wiki User
∙ 18y ago
It is the liability portion of your auto policy that pays for the damage to another vehicle that you hit. There is no deductible to fix the other car.
Wiki User
∙ 18y ago
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Is there a deductible on comprehensive coverage auto insurance?
Usually there is a deductible on comprehensive coverage auto insurance. The deductible can range in different amounts usually from 0 to $1000 or even higher if it is a very expense vehicle.
Do you need full coverage insurance on a vehicle in order to have a cracked windshield replaced or will liability and PIP insurance cover it?
Full coverage, minus the deductible.
Who pays the deductible when the other person is at fault?
There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.
What is uninsured vehicle coverage?
Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.
Will insurance pay if you hit a pole and damage your car?
Yes; as long as you have collision coverage for your vehicle. You will only be out of pocket for your deductible.
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
What does waiver of collision deductible coverage in California for uninsured motorists coverage?
The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist. The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle. Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.
If someone other than a family member is involved in an accident in your vehicle and is at fault whose insurance is responsible?
Barring any exclusions in the policy, the insurance 'stays with the car' so your insurance will pay for the damage to the innocent persons vehicle (under your liablity coverage). If you have collison coverage on your vehicle/policy it too will pay to repair your vehicle less the deductible. If there is no collision coverage on your vehicle and the driver has a policy with collision coverage the drivers collision coverage may step in and repair your vehicle, but ONLY if you don't have collision coverage.
If you hit a parked car and the damage is over your deductible how does that work?
If you hit a parked car, the deductible applies to your vehicle, not the parked car. The other vehicle is covered by your liability coverage and there is no deductible attached. You pay the deductible on the repairs to your vehicle, usually to the shop after the work is completed, the insurance company handles the balance directly.
What if someone hits your car and they leave the scene without exchanging information?
In this case you would use your Uninsured Motorist coverage if you have this coverage. Your UM coverage will pay for damage to your vehicle less your deductible. If later the person is found and their insurance or they personally pay for the damages then your insurance company will get reimbursed and you will also get back your deductible that you paid in you UM coverage.
How do you deal with an insurance company for a truck struck by lightning?
Lightning is covered under Comprehensive coverage, if the vehicle has that particular coverage on it at the time of the incident. If you have that coverage is place, file a claim with your insurance company, and you should be compensated for your loss, minus the deductible.
What are the different coverage options for Texas drivers in terms of car insurance?
Like most states, you can get "state minimum" coverage, or add in extras like a lower deductible, vehicle theft coverage, etc.
