Plain if it is a good auto company then your set and will be taken care of if it is a bad auto company they will burn a slot through your wallet ordinary brief: they turn on you
How can you find out if a person was insured at the time of an accident and what coverages he had?
Contact your state board of insurance and there should be some forms to pack out and WHY you need this information. Generally if you have been in an accident with these people they will help you. Don’t leave behind that if you have been in an accident and they gave you false or fraudelent information to contact the police officer and tell him they had no insurance so hopefully they will get ticketed with a FMFR AND CONTACT your State’s Department of Motor Vehicle and tell them as well.
If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved’s insurance does not pay. Legally, car insurance is primary over health insurance.
Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?
It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only “legal minimum”. And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. There may also be an issue if the passenger is a member of your household. #Two answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. .
In the UK – the response is ordinary. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled “car accidents caused by family members” to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.
What is utter coverage Auto insurance?
Total coverage auto insurance is a policy which covers very first party and third party injury to the assets or harm to car. It covers physical damages to the car if it has been leased at the time of accident, death or physical injury to the assets of people involved in the accident, also property damages caused by the insured person’s car to someone’s property,
Will your total coverage auto insurance pay for your car if you where drinking and driving and had an accident?
They’re pretty much obligated to do so, but recognize that you will very likely be dropped from coverage as soon as they detect the DUI on your record.
In the event of an automobile accident may your auto insurance coverage be denied if it is exposed that you have incorrect private information within your current policy ie address ie violations?
Yes, insurance companies will use any reason to get out of paying for an accident. If they find incorrect information on your policy, they will cancel it and turn down to pay for any accidents.
If an unlicensed driver has an accident driving your car and you have total coverage auto insurance will it pay for damages?
Yes, but the rates will very likely go up. Loaning a vehicle to an unlicenced driver is risky behavior that insurance companies don’t generallly like.
How is auto insurance coverage affected when your spouse has no drivers license?
Usually the Insurance underwriters would suggest the licensed driver what is called a Named driver exclusion. This should not affect the cost of your insurance premium. The u/w would need to know information about the unlicensed operator (why don’t they have a license? was it suspended, revoked, or are they just not licensed because of a handicap, or the person just does not drive) Once this is determined then he u/w would better know how to proceed in suggesting the NDE.
What is a utter coverage auto insurance?
Their is no such thing as utter coverage in legal terms. What people refer to when they say that is Physical Harm Coverage for a vehicle. What physical harm coverage cracks down into Two parts. Collision Coverage: Does include a deductible, covers the vehicle from harm resulting in a person being at-fault in an accident, and harm has occurred to the vehicle in which it has to be repaired or substituted. This does also protect the vehicle if an accident or harm results from a uninsured motorists or under insured motoristsComprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Recall, insurance company’s insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.
Can your insurance company cancel auto coverage after you had an accident?
If you have an accident in the very first 60 days of your policy,, Yes They can cancel your policy
If you got auto insurance coverage and were in an accident the same day what is the coverage for a claim?
Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any harm sustained before you purchased the policy harm would not be covered. If you had an accident after the purchase of the policy then any damages would be covered.
Would a DWI affect the coverage of your insurance?
if convicted of dwi insurer can deny coverge for named insured and spouses cars if no lienholder.
What is the cheapest minimum coverage auto insurance?
All states have required minimums on the different required liabilty coverages, but reminisce that isn’t always the smartest thing.. For example in MO, the minium property harm coverage is 10k, (this pays for the harm to the property of others that you are responsible/liable for), you can’t get a used car for 10k anymore, so if you total another vehicle that is worth 17k and only have this min. of 10k, you are on the hook for the extra 7k…see?
Utter coverage auto insurance?
“Total coverage” doesn’t actually exist-but there are lots of auto insurance options you can choose from to help you feel well protected. When people say total coverage it usually means that they have a combination of insurance types that result in you being covered in almost every situation. This could include liability insurance, comprehensive insurance, uninsured motorist insurance, bodily injury protection and many others.
What is liability coverage on auto insurance?
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle harm..
How long does the insurance have to pay you for an auto accident?
If you still have a loan on the car, the money will go directly to the repair place. That is to protect the lender in helping to maintain the value of the car. If you are looking for direct payment for repairs that you are doing yourself, make sure you are presenting the charges to them in the manner they expect. It will expedite things.
Can you sue an auto insurance company for not providing you with collision coverage knowing that there is a lien holder on your car when you were in an accident?
No, why should they pay for your ignorance? You didn’t know you needed collision coverage on a car you owe money for? And then you want to sue them for your ignorance? I’m guessing you are youthfull and feel entitled to everthing, and if you mess up its someone else’s fault. Good luck to you, and grow up!
Coverage on auto insurance when you have a car loan?
Yes, you should get auto insurance coverage when you have a car loan, and even when you don’t have a car loan. The law requires it either way anytime a motor vehicle is operated on public roads..
What are auto insurance coverage requirements?
It varies by state to state. It also depends on if your state laws are at-fualt or no fault. In Colorado we’re a at-fault state, which means you only required to carry liability. These thresholds are 25/50/15. That means 25k per person and 50k for the total accident. That covers hospital bills, if they were to sue you(attorney fee’s and court fees, etc), and lost wages and whatever else you might be held responsible for. 15k total property harm. Recall liability only covers damages to a 3rd party. (for example: the person you hit and you were at fault). All other coverages are optional. Such as Medical Payment’s, or also known as P.I.P. or individual injury protection. Physical harm coverage for the vehicle is also optional along with towing and rental car reimbursement.
Injured in an auto accident with no auto insurance?
If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be extra criminal penalties including fines and jail time.
Auto accidents and insurance claims with no insurance?
well it depends where u live as auto insurance differs everywhere. But here in Ontario, when a person hits you and drives off or has no insurance, it goes under your Uninsured auto mobile coverage. and it has very limited coverage for Medical bills, and fixing ur vehicle up to 25,000 if it was a person with no insurance. if its a hit and run then u have to pay the damages to your car out of pocket. or make a claim under your collision coverage.
If you voluntary turn back in a financed auto and the auto has been in an accident and you had no insurance coverage what are you libel for?
You are liable for everything. Fixing the car, paying for the car (the balance of the contract) and repo fees.
How do you check your auto insurance coverages?
The best way to review your coverages is to contact your Insurance Agent. Your agent can go over the terms and scope of your Insurance Policy with you and reaction any question you may have. Reaction: You can find your insurance coverage after determining your harm. You must also be familiar with your entitled insurance coverage mean what are the things that are included in you insurance coverage. You can determince your insurance coverage by completing the docs required for the insurance claim. A detailed procedure link for determining and claiming of insurance is submitted in “Related Link”.
Call your insurance if you have a auto accident?
Always call your insurance carrier if you have been involved in a car accident. You may also need the advice of a good individual injury attorney if you have specific questions regarding your accident claim. You are under no obligation to speak directly with any other insurance company that may be involved in your claim other than to suggest basic information. Unluckily many insurance handlers are trained ways to coerce claimants into admitting guilt in an accident. They also record the conversations they have with claimants.
Will auto insurance cover DUI accidents?
An ins. co will insure you for pertty much anything as well as protect you for any liability issues due to contractual obligations. The reaction is, yes!
What if you was in a auto accident and you are not at fault but you do not have auto insurance?
Laws may vary state to state. In Georgia it is a criminal offense to drive without auto insurance. Albeit you may not be held liable for property harm or bodily injury to another party, you may face legal activity including fines and possible jail time.
Can you get auto insurance after a major accident?
Yes you can but you may be surcharged and your premiums enhanced depending on your prior driving record and the kind of coverage you had.
Do you have to have utter coverage auto insurance?
No, “total coverage” auto insurance is not required by law. All states require some level of car insurance that covers costs if you are responsible for an accident. That would be called liability insurance and the state minimum coverages dictate how much of it you need to buy. That said, “utter coverage” does not actually exist and the phrase generally refers to buying a combination of several insurance types to ensure the most protection.
What are the coverage characteristics of auto insurance?
Auto insurance usually has several components. Not all coverages are purchased by every applicant, but the basic coverages are as goes after: Liability insurance provides coverage to the named insured and others who are identified by name or by relationship to the named insured in the policy for negligent acts or omissions while operating the insured vehicle. Stated otherwise, if a covered person is legally liable for causing harm to another in the operation of the insured car, the insurer will pay those damages. Because the damages are payable to a third party, liability insurance is often referred to as “third-party coverage”. Liability insurance may be for bodily injury or for property harm, and the policy will specify the amount of coverage that is available for each type of harm. Some policies of commercial auto insurance have “combined single boundaries”, which meld bodily injury and property harm coverage into a total available limit. Medical Payments / Individual Injury Protection (PIP) is a form of “very first party” coverage because it pays expenses incurred by the insured. Specifically, it pays a portion of the medical expenses and lost wages insured by the insured and others specified in the policy and/or by statute without regard to fault for the collision. The payments may be subject to a deductible. Under-insured / Uninsured (UM) is designed to compensate the named insured or others designated in the policy by name or by their relation to the insured, for bodily injury, and the effects thereof, if the at-fault party did not have bodily injury liability coverage. Because it effectively takes the place of the adverse party’s liability coverage, the damages recoverable by the insured or other person to whom the coverage applies may be diminished or eliminated according to the rules of comparative or contributory negligence to which the jurisdiction adheres.
What are coverage characteristics of auto insurance?
Auto insurance usually has several components. Liability insurance is the limit of how much the insurer will pay on your behalf to someone you injure while driving. Property harm is the limit of how much the insurer will pay on your behalf to someone on account of harm to their property you cause while driving. Medical Payments / Individual Injury Protection (PIP) pay medical bills up to the limit of the insurance. Fault is not considered. Underinsured / Uninsured (UM) insurance is there for the benefit and protection of the insured in case someone else is at fault and causes injury to the insured. This is very significant insurance.
What if auto insurance was canceled before your accident?
Then you may be liable for any harm that you caused to someones property or person.
Will your medical insurance cover you in an auto accident?
Yes it should, but the auto insurance company may have to pay the medical insurance after the claim is paid.
What is considered an accident under auto insurance?
Anything that causes harm to your vehicle could be considered an accident, from a rock chip in your windshield to a fender bender. States set laws to determine what has to be reported based on a set amount of property harm (it is low, $500-$1500).
What is individual coverage auto insurance?
The private coverage of the insurance depends on the companies. Some companies they cover financial security in case of vehicular accident, which you can use to pay for hospital bills. It is best to be insured, one company that has affordable rates and best rates auto insurance is the insurance60 visit them now.
Does auto insurance cover at home accident?
If you are referring to an auto mishap that occurred on your property and that resulted in harm to the car, it might. The visible situation that comes to mind is, for example, if your vehicle ran into your house, resulting in harm to your car. The collision coverage on the car would likely pay for repair, subject to the deductible. If you are referring to an incident that did not involve the car, such as a kitchen fire, the auto insurance would not be involved at all.
What kind of coverage will you get with progressive auto insurance?
Progressive auto insurance is a well respected nationwide insurance provider. You will most likely receive fairly comprehensive coverage but you should check the details of each specific policy to make certain.
What happens if medical expenses exceed auto insurance coverage after an auto accident?
1. Most states have a requirement that a registrant of an auto maintain “private injury protection” (PIP) coverage (altho the name may be different). This is the essence of so-called no-fault auto insurance. Essentially, it pays a percentage of the insured’s own medical bills and lost wages, up to a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. Two. Most insurers also suggest a Medical Payments coverage. This is often an optional coverage. It pays an extra amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy thresholds, the medical payments coverage will pay the remaining 20% up to its policy boundaries. Trio. If medical expenses exceed #1 and #Two, one’s major medical insurance is triggered. The auto insurance is “primary” in the sense that its benefits have to be fatigued before major medical insurance is called upon to pay. This is because auto insurance is required by state “financial responsibility laws” and for the further reason that it and the major medical insurance contain “coordination of benefits” provisions making the auto insurance primary. Four. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible.
How much coverage do you need for accident insurance?
It depends what kind of insurance programs you’re looking at, as well as the kind of life you lead. If you’re more active or participate in “risky” sports, you might need to take out a policy with a higher premium.
Is total coverage auto insurance required for auto financing?
Yes, utter coverage auto insurance is required for auto financing. This rule protects the bank if you have an accident.
Which auto insurance companies have coverage for RVs?
Almost every auto insurance agency has RV coverage. The more popular choices include Nationwide, esurance, and Progressive.
Does utter coverage auto insurance cover auto repairs?
yes utter coverage insurance covers auto repairs. It also covers maintinance and gas costs. Thats right fuktard, utter coverage insurance is the only expense you will incure while driving. In some cases they will even pay speeding tickets for you!
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.
Can I use the auto insurance coverage on my for rental car insurance?
Absolutely, your private insurance can transfer the coverage you have on your individual policy to the rental car thus saving you a good bit of money by not purchasing the coverage from the rental company. But before you do this speak with your agent and make sure your policy will transfer coverage to the rental car and that it has comprehensive and collission coverage to transfer. Many company suggest transfer of coverage to the rental car but also there are many policies that do not provide this transfer of coverage. Make sure you have the correct kind. If there is any question, please go ahead and purchase the coverage suggested by the rental company. I hope this is of assistance.
Will auto insurance provide coverage for accident when violating daytime driving restricted license?
Why would you even want to consider a question like this? If a person is restricted to driving only in the daytime that means their license is not valid after dark. If you permit someone to drive when they do not have a valid license they may not be covered, they certainly are not legally driving. Also, the driver must be listed on the policy as a driver and you have to have given the company all their information like their drivers license, date of birth, driving record, etc.
Can auto insurance be cancelled after a car accident?
Yes, you can cancel a policy anytime you want to if you are the policyholder. I always suggest that you wait until the adjuster has a chance to look at the vehicle and determine if it is totaled or not before cancelling. Speak with your agent about this matter as well. In some states you need to cancel the tag before cancelling the insurance or you will incur a fine. If it is financed you will also need to consult the finance company as well.
Where can auto insurance coverage for collision be obtained?
One can obtain auto insurance through many insurance companies out there today. A person may wish to contact companies like Geico, State Farm, and All State to compare rates.
What is included in comprehensive auto insurance coverage?
Comprehensive auto insurance coverage covers the different types of events or accidents cause by falling objects, animals, extreme weather, theft, vandalism or riots. But it does not apply to any types of accidents with other cars.
Do you have to live with your parents in order to use their insurance coverage in an accident?
You do not have to live with them as long as you are listed on thepolicy.
What auto insurance coverage do you not need?
All coverages suggested in an auto insurance policy have a place and needs for some people. This is certainly not to say that everyone needs every coverage. What you need is a good agent that can explain the available insurance coverages and can help you determine which ones you need an which ones you can do without. You can sit down and evaluate the costs involved and the benefit to you if something happened so that you can determine on an educated basis what is best for you and your family.
What can affect the cost of home insurance coverage?
Some of the factors that go into the cost of home insurance are: location, inwards city/outside city, brick / framework / masonry construction type, distance to fire department, distance to fire hydrant, city’s fire protection class, amount of coverage, deductible on policy desired, ACV or RC (actual cash value or replacement cost), your credit rating, age of roof, overall condition of home, past claims history, type of heating & electrical systems, and that’s all I can think of right now but there may be more. I hope this helps reaction your question.