If you were legally at fault, you are responsible to pay all damages to other vehicle. Even if you pay the other persons deductible, that insurance co. will come after you for total amount. The person that you gave the money to for their deductible will then have to give some of that back to insurance co., if they find out that deductible was given to him (her) by you.
Whose insurance is responsible in a three car pile-up hit and run?
I have been in numerous car pile-ups twice. The very first time I was the car in the middle of three cars, and the 2nd time I was in the middle of about a dozen cars. In both cases, the driver in the very rear was the responsible party for all of the cars bruised. If the police report indicates that the car that hit you was indeed hit by another car that took off, then I think the car that hit you isn’t responsible. If the report makes no mention at all of a 3rd unknown vehicle, then the car that struck you would be responsible. This sounds like one for the insurance companies to battle out. In both cases when I was hit, I gave all of the information to my insurance agent who helped me through the process. Call your agent, even if you don’t file a claim against your own insurance, and ask his advice. Good luck! .
You would need to provide more details to establish who was at fault, but if the hit and run vehicle caused the accident and this is verifies by all the three drivers in the pile up it would most likely fall to be the responsibility of the hit and run driver and in turn the motor insurer bureau. Pile ups are common in motorway collisions – see the related link entitled “motorway accident claim” to see how to know who is at fault in a UK motorway crash.
If someone hits your parked car does their insurance company pay and do you still pay your deductible?
If you determine to go through your carrier — and assuming your policy doesn’t have a provision for waiving your deductible under these circumstances — then, yes, you’ll have to pay your deductible. Your carrier will then pursue the at-fault party for all monies paid, including your deductible. Keep in mind that applying your deductible has nothing to do with liability. It doesn’t matter if your car was parked and unoccupied, or if you were rear-ended. Rather, the deductible is the portion you agreed to pay in the event of ANY loss, regardless of liability. If the at-fault carrier agrees to pay for the damages (which they should, given the facts-of-loss), then you’re correct: You wouldn’t pay your deductible. Your deductible applies only if you’re going through your own carrier, and even then, the at-fault party still owes for ALL the damages. By avoiding your own carrier, you shouldn’t have to pay out-of-pocket for any of the damages. Also, if you do determine to go through your own carrier, they might waive your deductible if they confirm that the at-fault driver has active insurance, and if they confirm that the other carrier is willing to pay. A individual practice: When I called my insurance company about this, they told me that if the at-fault person’s insurance company (I’m assuming they’re at fault since they hit a parked car) assumes liability (again, since they’re most likely liable) they’ll cover the damages and I won’t have the pay the deductible. Did I hear this wrong? Also, I live in Pennsylvania, and from what I hear our insurance laws are a little goofy.
If your parked car was hit and the at fault driver was found what options are available if both parties are insured and you have a 500 deductible?
All the damages will have to be paid by the other party’s insurance company. Your deductible isn’t applicable.
In Wisconsin if you were driving someone else’s insured car and you hit a pedestrian why are you not responsible?
i cannot response specifically to WI, but have treated many many claims (mostly) where the pedestrian or bike rider is at fault……just by virture of being a pedestrian doesn’t obsolve them of negligence/liability………. it all depends on where the ped. was facts surrounding the loss….for example you are driving down and road, and from no where some one darts into your path, or even runs into the side of your vehicle……….how could you have prevented this? see? …………more information surrounding the accident and i could be of more assistance…of course we always yield to ped. but that doesn’t mean that they are always faultless…..
What should you do if you were hit by a car with insurance and you don’t have insurance?
File a claim with the other party’s carrier and hope that they accept liability for the incident, otherwise you may learn a lesson the hard way.
Who will be responsible if your parked car hit by a stolen car and you only have liability insurance?
It depends on the state, but at least where I live, the insurance of the stolen car pays for damages. Check it out with your insurance agent. He/she should be able to give you that information, even if your liability won’t cover it.
If an insured driver driving an uninsured car hits another car is his insurance responsible?
Very likely. Maybe. Maybe Not. Better ask your agent. If the uninsured car does not belong to the driver and he does not have regular use of it, most policies will cover the accident. Also if he just (within the past duo of days) purchased the car, he should be OK. If the driver possesses the vehicle or uses it on a regular basis, the company will very likely pay and terminate his coverage..
Very likely. Maybe. Maybe Not. Better ask your agent. If the uninsured car does not belong to the driver and he does not have regular use of it, most policies will cover the accident. Also if he just (within the past duo of days) purchased the car, he should be OK. If the driver wields the vehicle or uses it on a regular basis, the company will most likely pay and terminate his coverage.
If your parked car was hit and both parties have the same insurance company is there anyway to recover your deductible?
If your vehicle was parked you should not need to pay ANY deductible. If you were not found resonsible for the collision your expenses should be entirely paid by the at-fault driver. If necessary, you may need to take the other driver to puny claims court.
Does car insurance cover you if a deer hits you?
Reaction it will if you have utter accident insurance Response only ifyou have utter coverage. Actually, it depends on whether or not the deer was in a pedestriancrosswalk. If it was, then your insurance will cover you as stated.However, if the deer was not in a crosswalk, then the deer’sinsurance will be liable.
Will your insurance pay for a child who hit your car with a mess bike Will you have to pay a deductible or will his parents need to do that?
If you have collision coverage you can receive payment for the damages minus your deductible, your company then should go to the child’s parents for repayment (subrogating them), including your deductible. The parents are ultimately responsible, and can file the claim with their homeowner/renters policy. However, I would suspect an exclusion for any land motor vehicle. Beware, if you have the parents pay just the deductible, and your carrier pays under your collision coverage, them simply paying your deductible does not free them from paying your insurance company the rest of the harm.
What happens if you hit a car from behind and you have insurance?
Unfortunatey, if you hit a car from behind, it is your fault. Period. Your insurance will pay for damages and the other person’s injuries, if any. Hopefully, nobody was gravely injured, but you can expect your insurance to go up!
You hit a car without car insurance?
If You hot a car and you do not have insurance to cover the damages you Caused. You can still meet your financial responsibility and legal obligations by paying for all the damages you caused yourself out of pocket..
This is what the financial responsibility is all about.
What happens if you have no insurance and you were hit by someone without car insurance?
You each walk away with nothing – your only recourse is to take the person who hit you to court and sue for damages. However, chances are if that person has no insurance, they have no job, and thus no income which to pay you the damages should the court award in your favor.
If you accidentally hit your wifey’s car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?
You need to check with your agent. In some cases, accidents involving relatives are not covered.
How does Response Insurance rate as a car insurance company?
so far response insurance is good rate but as far as claim service and paid customer is unknow yet.
What will happen if a fully insured driver hit your car and you have no insurance?
You may get a ticket for no insurance..
But you can still file a claim under the at fault drivers auto insurance.
Are car insurance deductibles cumulative or per claim?
Car insurance deductibles are the amount which the policy holdermust pay out of their own pocket in the event of an accident. It isstandard for deductibles to be applicable for each claim.
I have insurance and hit a car from behind they have no insurance?
The element of the third party comes in the picture in scenarioswhere the other vehicle is bruised due to our vehicle which isunder the insurance plan. The third part insurance helps to coverthese losses and secure the harm for both the vehicles. Turtlemint provides a finish range of plans which providescomprehensive and third party coverage along with other coverageslike zero depreciation, passenger insurance, etc.
What is an insurance deductible?
A deductible is the amount that the insured has agreed to pay before the insurer is obliged to pay anything on a covered claim. It can be considered to be an amount for which the insured has agreed to “self-insure”. In general, there is a correlation inbetween deductibles and premium, in that a higher deductible will correlate with a lower premium.
My car was hit and I have no insurance?
If you are not at fault, then you should contact the other driver’s insurance company. You may need to involve a lawyer. You should also have insurance. You’re an idiot not to.
What if you have no insurance on your car that was a hit and run?
Unless the person that hit you is found, you are responsible for the damages (just like if someone threw a brick through the window of your house). Always insure your car. If you are not going to drive it, buy garage insurance
What should your Deductible for car insurance be?
Well the higher your deductible, the lower your insurance premium will be. However, your deductible should be something you can afford in case of a loss.
What happens when the car that hit you had no insurance?
If the car that hit you had no insurance, it is the duty of the Traffic and Motor Vehicles Department to penalize the proprietor. If you are badly injured, only you can be monetarily saved if you wield one Individual Accident Policy on your life along with your Medical Insurance Policy.
Where do you file a claim to sue for deductible from a car accident involving a car with no insurance with no insurance?
If I understand your question you are attempting to recover a deductible you incurred due to the fault of the other driver who was uninsured? If this is the case it may depend on the state in which you live and what coverage you may or may not carry. If you are from CA, we have what is called UMCDW or uninsured motorist collision deductible waiver, which if you were carrying this type coverage as part of your auto policy, it would pay your deductible if your vehicle were hit by an at fault, identifiable uninsured driver. If you do not have similar coverage on your policy or in your state, you may simply have to file a claim in puny claims court to recover your deductible and good luck. In many cases if you are dealing with an uninsured driver, even if you win judgement you still have to be able to collect it…sometimes the hardest part! In the future you may want to consider a product called CDRP which is a Collision Deductible Reserve Plan to insure your deductible is always available for you when you need to use it. It is a very wise financial budge that can not only save you hundreds if not thousands on your car insurance premiums but would give you peace of mind knowing your deductible is always there when you need it! You can learn more about this incredible product at TheFiveMinuteMove.com .
Who is liable for car A’s deductible if both car A and B are insured and A rear finishes B and lies that they were hit and run by car C but car B has no harm?
Car c is liable for both cars .
but if you don’t know the license plate blame car d
What can you do when someone hit your car and has no insurance?
If you maintain collision insurance on your vehicle, you can claim under it. The insurer will pay the reasonable cost of repair subject to the policy deductible. That said, most states have laws that require that an insurer announce a vehicle a total loss if damages exceed a stated percentage of its actual cash value. In that event, the insurer pays the insured the actual cash value less the policy deductible. If you do not have collision coverage, you are free to file a civil lawsuit against the at fault driver. If he/she has liability insurance, the insurer will either defend liability and/or damages through an attorney hired to represent the other party, or, if the insurer agrees that its insured was at fault, may voluntarily pay the claim. If the other party has no liability insurance, you may still sue him/her and if you prevail, you will obtain a judgment. Judgments are not self-executing, meaning that you have to take further steps to collect if the defendant does not voluntarily pay. One effective means of collecting is to provide a copy of the judgment, the police report and other required documentation to that office within the Department of Motor Vehicles that enforces financial responsibility laws. Most states have a provision permitting for the suspension of licenses and tags of persons who do not pay judgments relating to auto collisions. That usually gets the other person’s attention.
If My car was hit and i don’t have insurance?
well! it truly deep throats to be you, because you weren’t wise and didn’t insure yourself. guess you have to pay for the harm, sorry. *sobs*
Who is responsible for an accident when car is not insured?
Whether the car is insured is not significant, the point is who was at fault in causing the accident, it could be the person whose car is insured that is at fault.
What happens if you have no insurance and you were hit by someone with car insurance?
In ontario, The person that hits you’s insurance has Accident benifits, and they will pay for your medical bills if they were at fault. But if you were drviing without insurance.. consider yourself screwed. Pretty much the same in most states in the U.S. If they were at fault their insurance may pay for your damages but you can still be fined for driving without coverage, license suspended or revoked etc.
Your daughter was driving your car out of Fresh York State and a deer hit the car the car is registered and insured in Fresh York Sstate should you have to pay the deductible?
Yes. The deductible is applicable regardless of fault, location, or anything for that matter. You agreed to pay a portion of the damages when you signed your policy contract. The deductible is your portion. It’s sort of like a co-pay.
How do you find out if the car you hit has car insurance?
You do not need to know if the car you hit has insurance if you were at fault. It would not matter if they have insurance because you as the at fault would be responsible for the damages you caused. ResponseIf the proprietor of the car introduced you some documents stating that his/her car has an insurance.
A car hit me They have insurance but I don’t What do I do?
Very first of all you need to get insurance as soon as possible. 2nd you need to report the claim if you don’t you will not get pay for the damages. If you don’t get insurance your license might get restrited for not having insurance and been involve in an accident.
Can insurance deductible be deducted?
Unreimbursed medical expenses are only deductible in the year that they are paid as a part of all other unreimbursed medical expenses on the schedule A itemized deductions of the 1040 tax form subject to the 7.5% of adjusted gross income limit. The amount over the 7.5%limit is added to all of your other itemized deductions on the schedule A tax form.
If someone steals you car and is involved in a hit and run accident is your insurance responsible?
Possibly. Most cases, if it is as elementary as you described, no. Theft is a covered loss as long as you have Comprehensive or Other than Collision (depending on the state) subject to your deductible but, liability would not extend in most cases as you did not give permissive use.
A parked car that is not being driven is hit without insurance is the person who hit it responsible to pay for the harm?
Insurance is based on liability. In other words the person who is at fault must pay for any harm caused. It makes no difference whether the at-fault driver crashes into an animal, a person, a parked car, a moving vehicle or even a wall or some street furniture. The problem in most cases is (1) finding the person responsible and (Two) recovering the money if they are not covered by insurance. Attempting to prove it is the very first step.
Who do pay your car insurance deductible to?
Your deductible only gets paid in the event of a claim. For example, you tap a light pole in the mall parking lot. The pole is ok but your car is bruised. If you have comprehensive coverage on your car, your insurance company will pay a claim to have it repaired. So, you get a assets shop who says it will cost $1,400 to fit it. If your deductible is, say, $500.00, your insurance company cuts a check to the assets shop for $900.00 which is the difference inbetween the harm repair bill and the deductible. Thus, you must come up with the $500.00 amount.
What can you do if a car hits your car and you have no insurance but he does?
If the other party was at fault for the collision (negligent), you should assert a claim against the other driver/proprietor. Contact him/her in writing, assert the nature of your claim, and ask that they contact you to pay for repairs. Copy the insurance company with the letter, and make reference to the policy number in the letter so that the insurer can identify it and assign an adjuster. Ideally, you should get a repair estimate before or while you are doing this. Take pictures of the harm, too. If no one responds within a reasonable time (10-14 days or so), you are free to file suit. The court in which you file will depend upon the court rules of your state, as different courts have different monetary jurisdictions, so you should contact the Clerk of Court for guidance. The lawsuit needs to be filed with the Clerk (for which there will be a fee), and a copy of the suit papers served (delivered) to the person(s) being sued by the Sheriff or a private process server (who will also charge a fee). The matter will thereafter proceed through the court system, and it will be your cargo to prove at trial that the other party was at fault for the collision. If the other party was not at fault and you have no physical harm insurance on your car, you will have to pay for repairs yourself.
What if someone hits you and its not his car and there are no insurance on the vehicle?
His liability insurance on his car should transfer to the vehicle that he is driving.
What happens if you have no insurance and hit a car in Texas?
If a police officer shows up, then you will most likely be cited for not carrying the required insurance. You should also be responsible for the other partied harm if it was found to be your fault.
Does your auto insurance deductible cover your car and the car that you hit in an accident?
You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.
What happens when an insured car hit you and you hit another car but your car isn’t insured?
If you were coerced into striking another vehicle by a vehicle which struck you very first, the vehicle that struck you is (usually) responsible for the entire accident. However, if you are required to have insurance in your state, that will not get you out of any ticket becauise of your lack of insurance.
Who is responsible if your car was hit by rental car and driver had no insurance?
The Rental Car Company is responsible if they permitted an uninsured driver to rent and drive their vehicle. You will need to file a claim against both the driver and the rental car company.
What to do if you were hit by a car and they don’t have car insurance?
You will need to file a police report in order to have their drivers license suspended. For compensation you may need to sue the at fault driver.
When a driver has no driver’s license or insurance but driving a car that is insured and someone hits them who is responsible?
It’s going to be very difficult to claim that it’s not the fault of the person who wascracking the law by driving illegally .
Who is responsible for insurance deductible in an accident of commercial vehicle?
The Company who wields the vehicle would be responsible for deductibles listed on the policy their own policy.
Can your insurance go after someone that bruised your car and get your deductible back?
Yes. If someone hits your vehicle and the insurance company pays for the damages, they will go after the person who was at fault for the damages paid and after they collect all the money paid out they will reimburse you for the deductible that you paid when the vehicle was repaired. The damages were paid under your uninsured motorists coverage which has at least a $250 deductible for property harm so when all the damages are recovered from the person, that will include the deductible and you will get a check back for that amount.
What are the best deductibles to pay on car insurance?
It is hard to say the best deductible to pay for car insurance since it will vary by person. It depends on how much a person could afford to pay out of pocket if they get into a pocket, and if a person thinks that they would get into accidents often.
What is dual deductible in car insurance?
I’m not sure what you are talking about. The only place where I can think that you may incur two deductibles is a situation where you back into your own vehicle. This could cause you to have two deductibles, one for each car. Often times, companies will waive one of the deductibles in this case. Damages cannot be paid under liability coverage because you can’t be liable to yourself. In a situation where you back into someone else’s vehicle, you liability would pay for their cars damages and your physical harm will pay for your harm to your car. If you hit another vehicle that you own, since you can’t be liable to yourself, liability doesn’t come into play at all, so harm on each car is paid under physical harm on each one as long as you have this coverage on both vehicles. In this case you normally would have to pay a deductible on each car but most companies waive the lowest deductible so that you only have one, and they also only charge the accident against one vehicle.
What can I do when someone hit my car and has no insurance and I don’t have insurance?
You are most likely out of luck unless you can afford a civil lawsuit.However, to do that you would need a police report and you wouldface consequences for driving without insurance. You should parkyour car until you can also afford the insurance to drive legally.
When Someone blocked your car in and shooting at you you hit there car is there insurance responsible?
if some man blocks you in your driveway and starts shooting gun atyou , you back intothere your car to get away is there insuranceresponsible