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If you hit something on the side of the road and do more than a little damage to the vehicle what type of coverage does this fall under?
Wiki User
∙ 18y ago
unless your insurance is fully comp u have no claim because the accident was your fault
Wiki User
∙ 18y ago
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What do you do when the at-fault vehicle's insurance will not pay you for your totaled vehicle because the insurance company has already paid for other vehicles damaged in an accident?
Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all the vehicles involved. I would have to know a little bit more about what happened, but you're only realistic action at this point is taking their policyholder to small claims court. However, if you have your own coverage, use it and let your insurance company deal with it.
Will auto comprehensive cover damage to car caused by tire tread separation?
i would like a little more information here....are you saying that your tire separated, then your vehicle (due to the tire separation) was involved in an accident? if that is the question, would more than likely be under the collision coverage of your policy dependant upon what you hit rather than the comp coverage....also would typcially cover the ''insueing damage'' not the tire...in other words, the tire wouldn't be covered, but rest of damage after the tire would be .....if you have a decent claims department they should investigate the tire for defects and possibly 'subrogate' the tire manufactor
Will auto ins cover dental damages?
There is no exclusion for dental. The question is just as simple as if there is coverage for medical or not. Remember, the standard insurance policy only pays for damage to the other party. So if you are at fault in an accident, there is little or no coverage for you your own injuries, dental or otherwise.
If your car was recently reported as a total loss yet still driveable do you have to have the repairs done?
Yes, you're carrier will drop the full coverage -- collision and comprehensive -- from the vehicle. This is because, in settling the total loss with you, they have already paid the value of the vehicle. Essentially, the vehicle no longer has any value except its salvage value -- to the insurance carrier, at least. Say, for instance, the vehicle is a total and your carrier agreed to keep the full coverage on it without you repairing it. Later on, you have an accident in the car, causing enough damage to "total" it again. Your carrier has already paid you the value of your vehicle, and if they paid you that value again -- without the repairs having been completed -- you are profiting from the second loss. This is illegal in any state. Even if you have the repairs completed, by the way, your carrier may decide not to place full coverage on the vehicle. Once deemed a total loss, any vehicle's value -- again, whether repaired or not -- drops significantly because the vehicle is less desirable in a typical market. Most people would definitely prefer to purchase a vehicle that has not been deemed a total loss in the past. Sounds like yours is just cosmetic damage, though, which is a little different. If you're intent on keeping the car, I say talk to your agent and/or carrier and see what their policy is for reinstituting coverage on a prior total loss. If they'll do it, you can fix the car, have your agent inspect it, and get the coverage back. On the other hand...you might want to take into consideration just how much you pay in premium for that full coverage. Compared to the actual value of the car, it might be in your best interest to just keep liability on the thing. And, finally, you're definitely going to face some problems if your state requires you to obtain a salvage title on the car. At that point, the resale value drops hugely, as does your carrier's interest in covering a car with little more than salvage value.
If you are in an accident that wasn't your fault what does the insurance company have to pay if you have unrepaired hail damage you'd made a claim on?
they will deduct this unrepaired hail damage and call it ''pre-exsisting'' damage, ''related or unrelated''(related and unrelated only relate to the panel being repaired) damage, ''prior damage''let's say your vehicle totals and is worth 5k, you have 2k in unrepaired damage, hail or any other prior to the loss unrepaired damage, a percentage or all of this prior unrepaired damage will be deducted from the value of your vehicle.(percent depends on co standards and year of vehicle generally), assume it was taken at 100% now your vehicle is worth 3k instead of 5k, see? this makes sense because you have already been compensated for this 2k when you were paid for this hail damage.now if your vehicle is repairable, little different but not much let me know if that is the case and I'll go into that.....
Easy Ways to Compare Different Insurance Policies ?
In nearly every state in the U.S., drivers are required by law to carry auto insurance, which makes comparing different insurance policies a smart move. Even if your state does not legally require that you maintain auto insurance on your vehicle, carrying at least a minimum amount of coverage is important. After all, if you are involved in an accident, you do not want to get "stuck" paying for the damages that you cause, or that the other driver causes.Comparing Insurance CoverageThere are six general types of coverage that you should consider when comparing auto insurance policies. Not all drivers need or want each of these types of coverage. When selecting the limits for these coverage types, you will need to determine how much, if any, liability you wish to assume if you are involved in an accident. You will also want to decide if you want to pay a deductible (out of pocket) for repairs or medical expenses that result from any accident that you are involved in. The limits that you select when choosing your policy and the size of the deductible that you choose will affect the cost of your policy. Choose from:Bodily injury. Bodily injury coverage covers the personal injury and property damage caused by you during an accident. For example, passengers in your vehicle are injured while you are driving. This coverage covers their medical expenses.Collision. Collision coverage, as the name implies, covers the cost of repairing your vehicle if you are involved in a collision, and in some instances, will repair the other driver's vehicle if you caused the accident.Comprehensive. Comprehensive coverage will pay for repairs when your vehicle is damaged and the damage is not your fault. This protection will pay for damages from vandalism, fire, theft, and natural disasters.Personal injury protection. This type of coverage is also referred to as PIP. This coverage is recommended in no-fault states. In no-fault states, your PIP coverage would pay your medical expenses and the other driver's policy will cover his expenses, regardless of who is at fault.Personal property liability. Personal property liability coverage takes care of personal property that is damaged as a result of an accident. For example, you crash your car into a fence and this type of coverage pays the owner of the fence for the damage.Uninsured or underinsured motorist. This type of coverage protects you when your car is involved in an accident with an uninsured or underinsured motorist.When choosing the policy that is right for you, you will need to choose which of these coverage types you need, based on your driving habits, the age and value of the vehicle that you are insuring, and your personal tolerance for risk. Some drivers opt to carry only the legal minimum amount of required insurance on their vehicles, especially if the vehicle is old or worth very little. If your vehicle is financed or leased, you may need to carry more insurance on it than if you own the vehicle outright. By comparing different policies, you will be able to determine the type, level and amount of coverage that you need.
What are the safety test records of the Chevrolet Express?
This vehicle performed extremely well in a crash test. The driver and passenger both survived the test with little damage done to themselves. The vehicle is does not have a high rollover rate.
Can anything come out of being at fault in a minor accident with only little damage to your car and no damage to the other car and no information was asked by the other driver?
Probably not. If the other driver doesn't have any damage and didn't take any information from you then you are left with the damage to your car and you can decide to live with that or make a claim on your own insurance policy for that damage, if you have collision coverage. If you damage is minor I would probably not make a claim on your policy.
Should you report accident when there is a little side damage to both cars and no personal injury and both drivers agree to forget it?
Oregon law requires you to report a crash to the DMV if there is more than $1,500 damage to your vehicle or any property or if another vehicle has $1,500 damage and is towed or if there is injury or death from the crash. Other states probably have similar laws.
Did the Triangle Shirtwaist Factory fire receive little news coverage?
No, that fire got a lot of news coverage.
If you use gameshark to get the ticket to navel rock will it damage your Pokemon emerald gameboy advance game?
of course it will, every time you use something like that it breaks your game little by little
How to Set timing on 1996 dodge stratus?
If you do not know DO NOT mess with it. If you screw up (even a little) you could cause serious damage to your vehicle. Find someone who knows how to help you
