Car insurance:liabiltity No. Because liability only covers the damages to the other persons car in an accident.
“Three. Property Harm Liability
This coverage pays for harm you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means harm to someone else�s car, but it also includes harm to lamp posts, telephone poles, fences, buildings or other structures your car hit.”
See the link below for more information on coverage.
No. Liability takes care of the other driver and his vehicle only.
No. Unluckily, liability only covers the OTHER fellow’s car. If you do not buy the “comprehensive and collision” coverage, YOUR car is only covered if the OTHER dude is at fault.
In the UK there are three main types of car insurance: 1. third party; Two. third party fire and theft and Trio. comprehensive. The very first type will not pay for harm to your vehicle in any event; the 2nd will pay if harm to your car is caused due to fire or theft and the third will pay in any event for harm to your vehicle.
If however harm is caused by the user of another vehicle you will be entitled to claim compensation from the other driver’s motor insurance for your vehicle harm and if no insurance is in place form the Motor Insurers Bureau. See the related link entitled “car accident claim” to see how to demonstrate legal fault for your car accident.
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?
No, Liability Insurance is just as it says, Liability only pays for harm you cause to another. It will not pay for damages to your vehicle if you had only liability coverage. s from other contributorsUsually they don’t. If you had no type of uninsured motorist protection which doesn’t cost that much it’s in your arms basically to repair your damages. You could sue the assailant for everything they are or ever will be worth but after you win the case they will eventually announce chapter 7 bankruptcy and you’ll never get anything from them. Take my suggestion and GET uninsured motorist coverage on your next vehicle. It may cost a little more but it’s well worth it. another reaction: I live in Texas, and, yes, the liability only pays for the other vehicle, assuming you were at fault. If the other driver was at fault, their insurance should pay you. HOWEVER, I want to explain something that most people don’t know. If you have only liablility, and your car burns, you hit an animal, a tree falls on it, or ANYTHING that is not your fault, including running off the road and hitting something, you are just out of luck. BUT, if you have “COMPREHENSIVE INSURANCE” you will be covered for all of these things. Comprehensive insurance is VERY inexpensive, and if you have to file a claim using it, your rates will not increase. I drive older vehicles, and total coverage isn’t feasable, so, I have liability and comprehensive on them. Several years ago, one of my trucks burned, and I was comphensated very fairly for it. If I had had only liability, well, I’d been walking. Please check it out if you are used to paying for only liability. I don’t think comprehensive will pay if the other person just didn’t have insurance, but, it will pay you if an “act of GOd” has happened, something unavoidable, like fire, and accidents not involving other vehicles. billlyhIn the state of Kentucky they have “no fault” insurance which is mandatory even on only liability….so you’re covered in the event someone else causes the accident. However, after your car is immobilized and there is no other insurance company to collect off, then your insurance will go up to pay for the claim. There is also “uninsured/under insured” riders. Check with your insurance company and state Dept of Insurance.
If you have liability insurance only in a no-fault state and you were rear-ended and vehicle totaled who pays for the replacement or repair of the vehicle?
%FOLLOWUPS% Michigan’s no fault law is indeed a anguish. If you only had liability insurance, even if you weren’t at fault, you’re responsible for the damages to your vehicle. If the other party had insurance you might be able to file a $500 mini tort claim and get it without having to go to court (your insurance company should be able to do this for you) but that’s all you’re going to get. Your own insurance company will pay for your medical and your son’s medical bills but that’s as good as you’re going to get. Michigan no fault was passed in the early 70’s to lessen the amount of tort claims for people injured in auto accidents. As a result when you get injured, your insurance pays for your injuries. If you accept liability only insurance, you accept the responsiblity for any damages even if they were not your fault. I think people in no fault states ought to have this more clearly pointed out to them since there are more than just Michigan. People assume “it wasn’t my fault so you’ll have to pay” but that’s not the way it works in Michigan. Sorry.
If you only have liability insurance and hit a pole during a snow storm will the insurance company pay to fix your car?
NO. This is considered weather related and at-fault. Sorry. I’m a broker and I have to tell ppl all the time!
Are you responsible for the damages when driving a car not belonging to you and it is totaled and the only insurance is liability?
You may be, do you have a policy on a vehicle that has collision coverage? If so it may step in, check with your company turn in the claim. If no policy then the proprietor of the vehicle could sue of course, then will be a judge’s opinion.
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car immobile if you only have liability insurance?
As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it’s proven, there may be coverage under your carrier. I’m in Canada where things are a bit different but it wouldn’t hurt you to attempt right?
If you total your car in an accident can a insurance company pay below low blue book?
Each situation is different and there is no definite reaction to this because there is no stardard but Yes there is a possibility.
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 happens if a car accident was not your fault but you were driving a friend’s car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are permitted to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you very first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
Whose insurance pays if you are borrowing another’s car and are in an accident?
Read your policy. If the policy says that anyone driving your car with your permission is an insured, then the company that insures that car pays. Many policies exclude certain drivers, so it is not a one size fits all reaction. .
The insurance for the car will pay, not the driver. Sadly, you are not required to pay anything, but if you are a responsible person, then you will….especially if it was your fault.
Will car insurance pay for a car totaled in a DUI accident?
It should. If the “at fault” vehicle is insured, it’s supposed to cover the victim’s vehicle 100%. If the “at fault” vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount.Note that the inebriated driver will liberate his insurance and be required to get the VERY expensive DUI “insurance endorsment” since he/she is now in the highest risk bracket..
BTW, when a tipsy driver causes a collision it’s not called an “accident”. Accident is when things just happen. Driving toasted is the CAUSE of the collision and as such the collision is not called an accident. Call it a wreck, crash or just about anything else that takes away the implication of a random act.
Who would cover your sons injuries sustained in car accident while driving in NY state with AL liability only auto insurance?
Liability is only to cover the other person. You might have to pay out of pocket for your son.
When a car with only liability insurance and a salvaged title is totaled a 2nd time what is the responsibility of the at faults insurance company as far as replacement?
The title is irrelevant, they need to put you in equal transportation during the claims process and issue you a check based on the cars book value. If they give you less then you feel is reasonable you do have the capability to negotiate. You better have logical well thought out facts tho. In other words, what will it cost to substitute your vehicle with an equal to your vehicle?
Can carriers raise your premiums for a serious accident where your car is totaled and the insurance company pays for your car but the insurance investigator ruled that the accident was not your fault?
yes if your ins.co. pays for your car..
They CanEven if they don’t pay for your car. My agent warned me that my homeowners premiums could be raised just for filing claims! They used to send an adjustor out automatically if there was a hailstorm or windstorm, but not any more. I just dreamed an ajustor to estimate the harm last spring and let me know if it would exceed my deductible.
If a hit and run vehicle knocks an insured moving vehicle into your liability-only parked vehicle whose insurance pays for harm to your car?
The “At Fault” party is responsible for your harm, regardless of who ran. The driver who ran from the scene is not necessarily the at fault party. The question is who caused the accident? That person is responsible for the harm..
It seems that you alone will have to pursue payment from the insured vehicle that hit you. If you had comprehensive coverage, your insurance company would have paid for your damages (or totaled your car, whichever is more prudent) and would have gone after the insured vehicle that hit you. As it stands now, you can attempt and work with the insurance company of the car that hit you or sue the driver for repair costs. Both are laborious processes. Do yourself a favor and buy comprehensive insurance, which isn’t too expensive and, trust me, will come in handy one day.
Will the insurance company pay only a certain amount for an accident?
Your response is very vague but I think i know where you are going..
The reaction is mostly yes, insurance coverage is usually capped off to a top amount or in the case of auto insurance to the value of the vehicle for you vehicle and to others there value as determined by which every book or publication (like nada, or kelly blue book or mostly Galves which is mostly entire sale value). Then there is usually a cap on other insurances. say your property in an accident is $100K then the cap is $100K. .
Hope this helped….
What should i do if i got in an accident and other person has no insurance i only have liability?
Most policies match your bodily injury per person/per accident liability limit w/an uninsured/underinsured motorist coverage. In other words if you were hurt, check with your agent for uninsured/underinsured coverage provided by your policy. Your liability thresholds will be divided by slash marks. If your boundaries are 100/300/100, you most likely have 100,000 per person/ 300,000 per accident coverage for yourself. If not, get a fresh agent..
Well if you’re at fault your insurance will cover their damages. If police are called they will be cited and their license can be suspended for one year. However, that is inbetween them and the police. Your damages will not be covered since your coverage type only covers other cars. If you are hit and they have no insurance, your only real option is to sue them and hope for the best.
What would you do if you have no car insurance and got into a car accident but havent embarked paying off that fee and then got into another car accident where the car was totaled and it is your fault?
You should stop driving instantly. It is illegal to drive any vehicle without meeting your state’s Financial Responsibilty Requirements..
Stop driving! If you still didn’t have insurance when you got into your 2nd accident, they’ll most likely suspend your license and if you’re then caught driving they’ll throw you in jail. If you can’t afford insurance you can’t afford to own a car!! Based on your driving record thusfar you need utter coverage!!
How do you sell a totaled car in NC only had liability insurance?
Basically you just sell it as-is with a salvage title. You can sell private party or to a junk yard as any older car is more valuable parted out (granted was taken care of prior to the wreck).
You were involved in an accident with your dads automobile and he has only liability insurance and you are not on the policy who is responsible?
If ‘you’ were at fault, or there was no other party involved (ie: backing into a pole..), then ‘you’ are. Even if ‘you’ were on the policy, it only covers harm to other vehicles/property/people, no coverage for dmg to car itself. If the vehicle was in the care, custody, and control of someone given permission to drive it, then that someone is responsible for any and all harm to the vehicle.
Will car insurance pay if totaled car?
If you have total coverage they might pay you the lowest market value fo your car. They will deduct your deductable.. Insurance companies are out to make money so they will find the cheapest way out
If your car is out for repo but has been totaled in a car accident are you still repsonsible for the payments or will the insurance company pay off?
Your insurance will only pay off what the blue book value of the car is, whether that’s enought to pay off the vehicle is unknown to me. If you owe $7k and insurance says the car is worth $5k you owe the $2k difference.
What happens after your car is totaled and you only have liability?
If a car is totaled in an accident and only liability insurance ispresent, there is a chance that the other party’s insurance willpay for the vehicle if the accident was their fault. If a car istotaled, but no others were involved, then the responsibility fallson the registered possessor. This will not release the registered ownerfrom paying for the vehicle, either, if money is still owed on thecar.
Your car was stolen with only liability insurance will the insurance pay?
Sorry. I feel for you. But you are screwed. I had a 1995 Acura Legend stolen and only had liability on it (I dropped utter coverage two months prior). It is without a doubt NOT covered.
I have liability insurance my car was totaled what am i to do with the car?
Repair itmake a planter out of itsell it for scrapWithout collision insurance you are out of luck unless the accident was the other guys fault, in which case his insurance will pay you for the value of your car and collect the remains.
What if my car was totaled in an accident the insurance pay off the debt?
Only if you carried GAP insurance will it pay off what you owe to the Lienholder. If not then they will only pay what they valued your car to be worth which may or may not be enough to pay off the loan.
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.
Single car accident no injuries but car totaled will insurance pay?
Evidently if you have collision that should look after the harm to the car. Now the collision comes in many shades of grey. The insurance company will pay cash value after taking into account the mileage, year, and type of vehicle. Plus the cost of dealing with the harm vehicle cost would be subtracted from the settlement of the cash settlement too in some cases. If you have no collision then you have no gam to stand on, your are left holding the bag.
My son lives at school and comes home on the weekend and has his own liability insurance on his own car and he drives mine and has an accident which ins co pays?
Yourauto insurance policy would cover this situation. Auto policies cover the automobile, not the driver. While it is true that there are “listed drivers” on auto policies, anyone that you permit to drive your car (and is legally able to), is in fact covered. It also goes back to the insurance concept of ” insurable interest “, meaning you must stand to lose something or suffer some type of loss to trigger coverage. As an example, you could not take out a life insurance policy on me, because if I were to die, you would not be impacted, financially or otherwise.
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.
I have liability only and my car was totaled?
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
What happens if you get hit by a car who isn’t insured and you only have liability?
Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property harm coverage on your policy. They only way you can recover is to take the person to court and get a judgement.
If you only have liability insurance will it pay your hospital bill?
No. Liability insurance is only for injuries and harm suffered by others. So if you are injured and it’s the other driver’s fault, then their liability coverage will pay your medical bills. But if the other driver doesn’t have liability insurance, which is illegal almost everywhere but still pretty common, then you’re in trouble. If you’re at fault, then your own liability insurance does nothing. You could sue the responsible driver to get the money. Since people who don’t have insurance tend not to have a lot of spare money, you will likely end up relying on your own health insurance. You could also buy Uninsured Motorist insurance for bodily injury as part of your car insurance, which pays for your health costs if you get hit by a driver without insurance. Private Injury Protection insurance can also be bought as part of your car insurance, which pays the health bills of an insured driver, regardless of who is at fault.
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.
A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?
When a car is borrowed (with permission) the insurance of the car holder is primary and the insurance of the driver is secondary. Here, the car holder has no coverage to pay for the harm to his/her own car, so the driver’s liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn’t have liability insurance, the car proprietor is stuck (unless he sues the driver).
If you loan your car which has liability insurance to a friend and he has an accident can other drivers sue you?
This depends on the state. In California if you loan a friend your vehicle and he kills someone with it, then you are also charged with manslaughter!
What to do when no liability or car insurance in car accident?
Time to dig into your savings and pay the claim yourself or you can find your drivers license suspended for the next Ten years or until you pay off your debt from the accident, whichever comes very first.
Where do I get help to pay for my car accidents and insurance in hit and run?
Generally, you cannot, in the absence of collision or uninsured motorist coverage. If the hit and run driver is eventually identified you may be able to sue them personally. Both collision coverage and uninsured motorist coverage are “first-party” coverages, meaning that they cover your own vehicle. Collision coverage provides property harm for your own vehicle irrespective of fault for the collision. It is normally subject to a deductible, meaning there will be an amount that you will have to pay out of pocket. You will have to check your policy, or with your insurance agent, to see if you have the coverage, because it is generally not mandatory. That said, if the vehicle is financed, the entity through which you financed it may have required that you get collision coverage to protect the collateral. If you did not, the company that financed the car may have obtained “force-placed” coverage for you and charged your account the premium for it. Therefore, you should contact the finance company and determine if it did and if so, get the specifics on the coverage so that you can make a claim. Uninsured motorist coverage provides benefits to you if you were injured (usually there is a requirement of permanency, but state law controls) by the negligence of an uninsured driver. It does not provide any property harm benefits, so depending upon the damages that you sustained, it may be moot whether you have it or not. If your state requires you to maintain liability coverage on your car, it will generally also require that your insurer have suggested you the chance to buy or to waive the purchase of uninsured motorist coverage.
What is the insurance company responsibility to help you when you have an accident and its not your fault and you only have liability?
A liability insurer has two primary duties to an insured who has been sued: (1) a duty to defend; and (Two) a duty to indemnify. The duty to defend means that the insurer is obliged, at its own expense, to hire counsel to defend the insured provided that the allegations of the lawsuit come within the ambit of the coverage of the policy. That is, for example, the liability coverage of a homeowner’s policy will not be triggered to defend you if you are sued for an automobile collision. If you have not yet been sued, but a claim has been asserted (such as by a request letter from the aggrieved party), the liability insurer is obliged to investigate the facts of the claim. Most individual liability policies give the insurer the right to lodge claims without the consent of the insured, so it may also make a payment to the claimant. The correlative obligation of the insured is to timely notify the insured of all claims made against him/her/it, forward suit papers, and cooperate with both the insurer and the attorney hired to defend the suit. The cooperation includes meeting with the attorney as needed, responding to requests, attending depositions, attending trial, and other activities. The 2nd main obligation of a liability insurer is to indemnify the insured, meaning, to protect him/her/it from financial loss. This involves paying damages for which the insured may be found legally liable (within policy thresholds). Again, the insurer usually has the right to lodge claims when it deems it in its and the insured’s best interests to do so. Indeed, the insurer has a specific duty to lodge claims within policy boundaries when it is possible to do so (that is, when the claimant will accept that amount of money in come back for a release of the insured of further liability).
Does liability insurance get you money for a car if your car is totaled?
The other parties liability should if it was their fault. Your liability should cover the vehicle you bruised.
Can you buy back your totaled financed car lets say my car is financed and I get into an accident that totals my car. I know the insurance will pay out the bank but can i still buy it back after?
Yes, you can usually but it back because it is then inbetween you and the insurance company. But keep in mind your insurance company normally pays the ACV (Actual Cash Value) which may not be what you actually owe on the vehicle unless you carry Gap insurance. Gap Insurance is an extra coverage that covers the balance of the loan inbetween the ACV and remaining Balance.
Does liability insurance cover death in a single car accident?
Liability coverage is “third-party” insurance that pays for injuries or death to another person as a result of the insured’s negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence. Therefore, if the theory of the negligence was, for example, that a landowner created a dangerous condition that proximately caused the single-car collision, the landowner’s liability insurance could arguably be triggered so as to cover the incident. If a passenger was killed in a single car collision, the driver/possessor’s liability coverage may be triggered if the driver was negligent in the operation of the vehicle.
Do you have to pay auto insurance if your car is totaled in an accident and may not have another car for several months?
If the only insurance you have is on the totaled car, you will not be required to carry a policy on it anymore. However, it is never good to have lapses in the dates you are insured. I suggest having them to lower your insurance to the most basic your state permits and carry that until you get another car.
What do you do when your car insurance wont pay after an accident?
Check your policy, and if they are attempting to cheat you, then sue them till they have to pull out a loan just to go to the bathroom.
Where to go if your Insurance company is not paying for the loss of a car accident?
Attorney General,s office where you live. Also attempt the Better Business BureauAdded: Contact the State Insurance Commission of your state and file a complaint.
What if you have no liability insurance and have an accident?
Well, generally you get a fine (ticket) to pay, Most states will now confiscate your vehicle and suspend your drivers license. If you were at fault in the accident you can also be sued by the other driver and any passengers that were injured.
What if you are hit by a hit and run driver and your car is totaled but you only have liability insurance?
If you have any way of finding the other driver, be it through witnesses, or other sources, then they will have to pay. If you can’t get said information, then sorry, but sounds to me like you’re out of luck.
Can you get liability insurance on your car if the insurance company totals it?
Normally yes. Some companies may require proof that you have repaired the car and it is road-worthy.
What if both parties only have liability insurance after a car accident?
If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your….and vise virsa.
Will liability insurance pay off your vehicle if it is totaled?
Your own liability insurance will never pay for the harm to your property or for your medical expenses. Your collision insurance pays for harm to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for harm to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the harm to someone else’s property or for someone else’s medical expenses, if it is your fault. Someone else’s liability insurance will pay for the harm to your property or for your medical expenses, if it is their fault.
Do you have to pay for a car when in an accident who does not have insurance?
Pretty much yes, If your liable for the harm then you have to payfor those damages. If you’d have had your car insurance in place atthe time, it would have paid the bill for you however. Good luck..