They pay whatever the value is of your vehicle less the deductible.
The value they pay, in most cases, will be the trade-in value or average private sale value. Not enough to substitute the car even when you add the deductible.
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time
If you have utter coverage and your car is totaled by someone and their insurance pays the current value will your insurance pay the difference?
Depends on the underwriting rules as to what they consider indemnifying you. They may cover it, and then subrogate against the other insurer.
Does the at-fault driver with total coverage insurance pay for the other car?
%DETAILS% NoThe person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.
If you were involved in an accident and did not have utter coverage but the bank had put coerced insurance on the loan will that insurance cover the totaled car?
That insurance will most likely cover the BANKS interest in the vehicle and any liability that may be assigned to it, but little or nothing for you.
If you have utter coverage and total your car will the insurance pay for another car even however the one you crashed wasn’t paid off yet?
noNo, the insurance company has a responsibility to the lienholder very first, then you get the balance of the settlement based on the local market value of your car. Insurance companies are not responsible for purchasing you a fresh car and the settlement is based on the value of the car you had an accident in. The settlement is not based on what it will cost to buy another vehicle.
Will insurance cover a total loss to a total coverage auto when the car is covered by a private policy yet the car is titled to the possessor’s company?
Not sure I totally understand your question. Are you both the possessor of the company (and the car), the car is titled to the company, but have the car insured as a private/non-business auto? What were the questions on the application? They ask about business use, if those weren’t answered honestly there could be a problem. Or are you telling the company ou work for wields the car, but you have to carry insurance on it? Same question about the application would apply. Please be more specific and I’m sure I could be of more assistance.
If a vehicle has ‘utter coverage’ and is stolen how much will the insurance company pay out?
if it is recovered and repairable they will pay to repair less your comp deductible, if not recovered they will pay the actual cash value of the vehicle less your comp deduct, also sales tax (or credit) title/licensing fees etc……
If you have utter coverage how much will your insurance company pay you for your stolen car?
Coverage on a Stolen Car .
Most insurance companies will only pay the blue book value of the car at the time that it was stolen. Check the Kelley Blue Book or the National Automobile Dealers Association for approximate values.
What if you have total coverage insurance for your car and you have a single car accident and you have a suspended license does the insurance people still pay for it?
wrong side driving car was total harm * drank liqueds and drove the car it is also pay *
Can you get utter coverage from other insurances on a car if is was proclaimed a total loss by your insurance?
If the vehicle has not been repaired and probed and title cleaned up, any insurer doing their job will restrict or not write collision and comp. However it does happen, but be aware that if an accident occurs this salvage title will demonstrate up and you will get substantially less on this next settlement. Any prior harm will not be paid to repair again.
Does your insurance pay for damages to your car if you have total coverage and someone living with you who had no drivers license took your car and wrecked it?
Probably not, most insurance companieshold the holder of a vehicle responsible for keeping the vehicle secured. Meaning even if the unlicensed driver took the vehicle w/o permission, the proprietor should have made certain that such an event could not have occurred.
How can you get car insurance coverage without paying total year premium after cancellation?
They refund you the remainder of the premium not used for the year.
What do you do if you have utter auto insurance coverage and your car cracks down and is totaled?
Automobile insurance, in most cases, does not cover mechanical breakdown. If your car is not worth repairing from a mechanical breakdown and you are able to substitute it within a few weeks to a month I would suggest keeping your insurance policy active. This is to avoid having a lapse in insurance coverage which could result in higher insurance premiums when you get another car. ResponseYour car cracking down, and your car being totalled are Two separate considerations. If your car mechanically violates down, there is no coverage. If the car has been totaled in an accident, there may be coverage. I guess, more specific info is needed.
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 most likely be dropped from coverage as soon as they detect the DUI on your record.
If the insurance company didn’t make you get total coverage who is responsible if your car is stolen?
If You Did Not Purchase Total Coverage. They Are Not, So Looks Like The Person That Stole Your Car Is.
Will your insurance pay for your car you totaled and it was your fault you have total coverage on your leased car?
This is sort of an educated guess, but I believe the insurance would pay the dealer and not you. I simply say this because when leasing, you never own the car, you simply “rent” it for a definite amount of time.
Can you get total coverage auto insurance for a totaled car?
Has the vehicle been repaired and probed and title cleaned up? If so no problem, if not I suppose you can if the company you are requesting ins. from doesn’t do their homework. But I promise you should you have another loss, this will resurface.
If you have a suspended license and total coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Will a finance company accept storage insurance instead of utter coverage if the car is never driven If so how much cheaper is storage insurance compared to utter coverage?
They will very likely request total coverage on the car whether you drive it or not. The storage insurance should be fairly a bit cheaper than if the vehicle were actually in use on the streets, etc. Check with your finance company and your insurance agent.
You total out your car and your insurance denies coverage will you still have to pay the notes?
Yes. Your auto loan must be paid whether or not the car is driveable, lost, stolen, whatever. The lender doesn’t know or care if the car was totaled and the insurance company only gave you the blue book value on it – in way too many instances the car is not worth what it costs overall. Review the terms of your loan.
How does total coverage insurance pay offs work?
Total coverage insurance will help you get your car immobilized after ithas been wrecked. You can also get a fresh car if it has beencompletely totaled.
What happens if your car is totaled and you have total coverage?
You will get actual cash value for the car and will sign the title and car over to the insurance company, unless you wish to buy it back for a diminished payout.
If you have utter coverage car insurance and you have an accident and are killed does insurance pay settlement?
An unendorsed ISO Private Auto policy should pay your “Part B-Medical Payments Coverage” Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or Five,000 but can be enhanced. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn’t carry insurance or doesn’t have an adequate amount. Also, there are endorsements available that could indemnify after a death such as “Auto Death Indemnity”, which sounds like what you are needing.
Does utter coverage auto insurance pay off a lien?
The insurer is required to compensate you at Fair Market Vallue. This usually will pay off any remaining financed note unless you greatly overpaid for your vehicle. There are times when you can owe more on the vehicle than an insurer is willing to pay. Naked in mind that it is not the fault of the Insurer if a consumer makes a vehicle purchase agreement in an amount greater than the actual vehicle value.
How old can a car be and total coverage insurance?
There is no age limit albeit the value of the car may not justify the cost of total coverage.
If you have utter coverage insurance and have a car accident will the insurance company pay off your car if you still owe on the car?
If you’re filing the claim through your own collision coverage, your car insurance will pay the actual cash value (ACV) minus your deductible at time of loss. This may not be enough to cover loan due to interest, negative equity, etc. You can look at buying gap coverage either through your finance company or your insurance company if this concerns you. The best available resource for determining your ACV is www.nada.com.
You have gap insurance and total coverage insurance but your beau totaled your car and he is not on your insurance will your insuances still cover your car?
You’ll have to seek out the fine print in your gap policy for details on that. In regards to your auto policy, total coverage does not have anything to do with who is covered, but everthing to do with what is covered. Generally speaking harm to your car will be covered, minus your deductible, unless your beau is excluded from the policy. For the future it’s always a good idea to add drivers to your policy, even if it’s for a day, no sense in putting yourself in a position like this.
If a car is considered a total loss after an accident and the insurance company pays you for what the car is worth do you still have coverage on that vehicle if you contnue to drive it?
Usually if the car is a total loss, the insurance company will pay you and take the car. They then sell it for parts/salvage. If they let you keep the car, all you have to do is check on the current status of your policy and see if it is listed.
If your car is paid in total do you need utter coverage insurance?
No. But in most states you are still required to have liability insurance to cover the costs of any damages you may cause to others if you are at fault in an accident.
If I have utter coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?
Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.
You live in Michigan you had an accident with a leased car with full-coverage insurance and it was their fault Will they pay for your car to get motionless?
There insurance will cover the cost of repairs to your vehicle. This works with any vehicle even if it is a rental.
Your car was totaled no other car involved you had utter coverage insurance and GAP insurance will you be reimbursed for your loss or will it all go to the finance company?
the very first priority of the insurance company is to pay of the loan holder (so the value of your car is determined and out of that) whatever is left over will be sent to you. If the value of the car is less than what you owe you are stuck with the balance as far as gap coverage goes you will have to check with your insurance company they’re all different
Is insurance company responsible for utter coverage insurance on rental?
Response Car Rental Ins: .
EXTRA insurancethat you have a choice of taking or opting out of when you sign the rental agreement (by checking and initialing the correct boxes) has been a confusing part of renting for years. It’s abig money maker for the rental companies , but it’snot always a rip-off . They will attempt and get you to get extra private liability,…extra propertyliability coverage,…a something called CDW. .
Very first, each company must carry liability for their cars that they rent out in every state. So if you’re in an accident and it’s the other guys fault, his/rental company pays harm. If it’s your fault, the rental company pays the other guys harm, but not the harm you’ve done to the rental. .
2nd, basically same for individual libility, except if it is your fault, the rental co. private liab. insurance pays injuries. .
Third, always ckeck your own auto policy and credit card agreement (the card used to rent the car), because many times one or the other may suggest insurance coverage on your rental. THEREFORE Iusually tell people to skip the extra insurance suggest by the rental company. They charge per day per type, usually over $Ten.00 each. By the week that VERY expensive. .
Final Significant note: I’ve rented a lot of cars and have figued out that the CDW is worth having….WORTH EVERY PENNY. In the very first scenierio, if it’s your fault, and your credit card provides nothing, or you’re using a VISA Debit card….you will owe that rental company ONE car, just like you left the lot with . This is where COLLISION Harm WAVIER (CDW) comes in. (sometime called by a different name). You pay $11 – $ 16 a day extra, EVERYTHING is covered……scrape,.dent,.burn fuckhole in the seat,. food/drink spilled on carpet,.kids write on interior with majic marker….you name it and you DON’T OWE THEM A DIME. ANDif you crash it, they give you a brand fresh one to finish your excursion!
Does utter coverage insurance pay for a rental car?
Some policies automatically include a minimal amount ofrental reimbursementcoverage, but generally your policy includes no coverage for rental reimbursement if it is not listed with apremiumon yourdeclarationspage.
Does a insurance company have to pay for your stolen car if you have total coverage ins?
If by Total Coverage, you mean you also purchased Physical Harm, aka harm or loss of your vehicle and the car was confirmed stolen, preferrably via police report, the company will typically pay Actual Cash Value for your car, less your deductible.
What does the your insurance company do to a car if it is totaled and you only have liability coverage?
If you caused the accident and you totaled your car and you only have liability insurance, your insurance company does not do anything to your car. The car was taken away by the tow truck driver. You may pay to haul it somewhere to be repaired or you may sell it to a junk yard. If the other driver caused the accident, then his insurance company buys your car. It still goes to a junk yard to be recycled. That way, however, you will get some money. Either way, you are entitled to get your private stuff out of the car.
Is it legal for the insurance company not to pay the loan company on a totaled car?
Yes. The insurance policy is a contract. All it requires the insurance company to do is to pay the fair market value of the vehicle. You would need to get what is called gap insurance to pay the difference inbetween the market value and the loan value.
Does a total coverage auto insurance in CA cover a totaled car in another state?
It depends on the company and policy. Some will deny it for “operating out of territory”. Others will cover it and then non-renew the policy for “operating out of territory”. There is no way to say for sure as it varies so much from company to company.
Will the Insurance Company pay for a rental car if the accident is your fault and if you have utter coverage ins?
Only if you have bought the extra coverage to have a rental. “Total coverage” usually just means you bought liability, comprehensive, and collision insurance.
Does the insurance company have to pay for a rental vehicle for a client until their vehicle is immobile if they have utter coverage insurance?
Rental car coverage is an add-on, check your policy to see if you are covered – if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person’s vehicle. Because, several years ago, I drove my friend’s vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn’t mine! But, they told me that it doesn’t matter! I should have had liability insurance anyways, if I was planning on driving someone Else’s vehicle!
Who needs utter coverage car insurance?
People who need total coverage car insurance include those who use their cars often. So, that includes people who go to work early, and often, people who attend university and use their car as a form of transit or even if you need to go to a friends house every week.
What is the best car insurance for total coverage?
The best car insurance is based upon your individual sittuation. It all depends on things like the size of your family, your budget and your driving records from the past. So there indeed is no ‘best’ car insurance.
How come if you have utter coverage insurance and you were rear ended is the insurance companies not paying your loan off in utter?
If another car crashes into the rear of your car, the other driver is 100% at fault under the laws in most countries. This should not matter in your insurance policy as the other driver or their insurance will have to pay for it. In some countries ‘utter cover’ does not give you cover if you rear-end another car. If this is what you mean, then it is because it is usually an act of negligence rather than mistake.
Is it a state law in Florida that your insurance company must provide a rental car after an accidentif you have utter coverage insurance and hit a deer?
No. By “total coverage,” I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.
How do you get utter coverage car insurance?
In order for one to acquire total coverage car insurance on their automobile, one must finish a series of tasks. Step One: Purchase a Vehicle. Step Two: Call Progressive, where i can assist you in choosing what is right for you. Step Three: Avoid taking left turns on your way to work. Left turns are statistically more common for provoking Silverback Gorilla attack. Step Four: Request Utter Coverage Insurance when you consult your Progressive agent. I hope i have assisted you in your process. Flo Progressive Sales Agent
When to drop total coverage car insurance?
You should only drop the physical harm part of your insurance if your vehicle is paid for in utter and when you no longer would need help substituting or repairing the vehicle if a claim occurs. Also you could say that when the price of the physical harm coverage exceeds the benefit of substituting the value of the vehicle.
What is the cost of utter coverage car insurance?
Utter coverage for car insurance usually depends on where you live, what kind of car you drive, your age and how far you plan to travel. Typically figure about 800 dollars a year.
What companies suggest utter coverage auto insurance?
Total coverage auto insurance is suggested by companies like Nationwide, Cars Direct, AXA Insurance, Fresh York Motor Insurance and AAMI. These companies also have insurance services for other products.
Is utter coverage insurance worth paying on a salvage car?
Usually not, collision and comprehensive only pay based onpre-accident value of the car, which for a salvage is very littleif anything. You will need liability and it might be useful to haveuninsured motorist.
Could you denied total coverage from your insurance company base on the age of your car?
Of course. Most insurance companies will not write physical harm coverage on vehicles over 15 or 20 years old. The reason for this is the broad discrepancy in the value of the vehicle of that age. Many companies will write coverage on an antique basis where you get an appraisal from an pro and that way you and the insurance company agree up front as to the value of the vehicle. This way they can also have a way of accurately rating the risk.