Auto insurance, and if you are hurt by the accident, then health insurance too, but you will need health insurance for the 2nd to file a claim for injuries, and health insurance is optional. Auto insurance is required by law. If it is someone else’s fault however, then they must pay for all the harm to you, your car, and themselves.
In an accident involving a truck and a utility trailer would the trailer be covered by the auto’s insurance or does it require a separate policy?
Be Careful… These Utilty trailers are unsafe as they have a habit of comming uhiched if you do not know what you are doing. Please Go to www.dangeroustrailers.com for more. In addition in my State you need to have either two reflectors or 8 feet of reflective gauze on the back because the lights do not always work. So if you do not have gauze or reflectors on the back in Virginia you can be subborgated against. from https://www.firsteagle.com/ait.htm You would have to check your policy (see disclaimer notice below)… Your insured car means: The vehicle described in the Declarations of the policy or any private passenger car with which you substitute it. You must advise your insurance company within a specified period mentioned in your policy of any switch of private passenger car or utility car. Any extra private passenger car or utility car of which you acquire ownership during the policy period. Provided that you notify your insurance company within specified period mentioned in your policy of its acquisition. Any utility trailer: a. That you own, or b. While linked to your insured car. Any private passenger car, utility car or utility trailer not possessed by you or a family member while being temporarily used as a substitute for any other vehicle described in this definition because of its withdrawal from normal use due to breakdown, repair, servicing, loss or destruction. Disclaimer notice: Above mentioned terms and definitions are not intended to substitute or be the exact explanation of the definitions or conditions of your policy, they are merely for general information purposes. For exact definitions and conditions applying to your auto insurance, please refer to your auto insurance policy agreement.
If another driver has an accident in your car will your insurance company add that driver to your policy?
%DETAILS%%FOLLOWUPS% The other driver is not “added to your policy”. However, the other driver will be covered by your policy for this accident provided certain conditions are met. 1. The vehicle cannot be available for the regular use of this other driver, which is to say the policy will cover them so long as they are merely borrowing the vehicle. Two. The other driver must have the permission of the possessor of the vehicle to drive it. Insurance will not cover someone, for example, who wrecks a car after stealing it. Note that if this improvised driver is insured with their own policy, their policy would only come into play if damages exceed the thresholds of your policy. As you note in your question that the makeshift driver was added to your policy, I must assume that this person is someone who you did not report to your insurance company as a driver but they should be on your policy, i.e. someone who has the regular use of your vehicle. Insurance companies treat this situation in differing ways but some will add a driver to the policy as a courtesy to their insureds. Those that do this will very first look into that driver’s record to determine what premium they would have charged to cover this person had this person been on the policy from the embark. So long as the premium increase would not have been more than a certain percentage, say 30%, they will provide coverage for the accident, add the driver and charge the added premium amount for the added coverage. However, if the premium increase were more than this certain percentage, they may not only deny coverage for this accident, but also rescind the policy – meaning the policy is null and avoid. They can do this because one of the conditions of insurance is that the insurance cannot commit a material misrepresntation, such as misrepresenting who and what is to be insured.
What happens if two people get in an accident and both people were driving borrowed insured cars but neither person was on the insurance policy?
Well in this situation, lets hope that both parties were licensed drivers, and they were not excluded from the policies of the vehicles in which they were driving. In most situations an insured can permit a driver to drive there vehicle, under the permissive use section of there policy. Permissive use simply states that a person can drive your vehicle on an occasion if they are not a family member from within your same household. 99% of insurance companies suggest permissive use, so in most cases the drivers or the insureds have little to worry about..
Thank you for answering my question. ^_^Unfortunately, I know for sure that I was excluded from my bf’s policy but I’m not sure about the other person and the other car. It’s been three weeks since my accident and no one from her side has contacted me in the last week and a half so I have no idea what’s going on with her side. They sent me a claim form but I’m not filing a claim on them…does anyone know what happens next? I’m truly confused. This is the very first time I’ve gotten in an accident and no one’s been very helpful so far (except you guys). Hopefully I can get some guidance…I’m not a very wealthy person and I don’t want to end up paying more than I can for her car repairs. So if ya got any info I’d indeed appreciate it. ^_^Thanks again!.
If you were involved in a car accident and a police report was packed out do you have to report it to insurance company?
No. That happens all the time. People often make a police report just in case they determine to make a claim. Later, they never contact their insurance company due to it not being worth the hassle. Four years ago, I was involved in a minor accident in which the other person left. I made a police report but since the harm was so little, the officer told me I’d be better off not making a claim. I never made a claim or notified my insurance. I have since bought Two fresh cars that have been quoted for insurance by numerous companies and insured by the same company I had at the time of the accident. Everything has been fine; haven’t heard about it since then.
What should you do if your brother got into an accident driving your car and is not on your insurance policy and doesn’t have his own insurance?
The claim will be made against your insurance and the company will determine if they will pay it.If they do, your rates will increase. If not, the responsible party will have to pay for the damages..
If your car was involved in two separate accidents does the insurer in the 2nd accident value the car with or without the harm from the very first accident?
The value of your car in any accident is the value of the car in the moment instantaneously preceding the accident. So the reaction to your question is “with the harm from the very first”.
You recently sold your car and you are driving your fiance’s car you cancelled your car insurance Is his car covered if you get into an accident or does your name need to be on his policy?
yes his car is still covered as long as he gives you permission to drive it..
I would suggest you get rated on vehicle. The reason is that when you go back to your own vehicle, that you want prior insurance. Insurance companies use prior insurance as a discount.
If you have PLPD and are involved in an accident does their insurance cover your car?
If the other party has insurance then their “property harm” coverage should cover harm to your vehicle. If you happen to be at fault or there is some question as to who is at fault then it might be hard to collect from their insurance company..
Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver’s insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.
If your spouse hits your car and you are on the same policy will insurance cover the accident?
Yes, and your spouse will end up with an at-fault accident on their record. The collision deductible will apply to the harm on the car that your spouse was driving and there will not be a deductible for the harm to the parked car..
Maybe. Check with your agent, but some policies specifically exempt harm caused by another vehicle on the same policy. It prevents people with two junkers from having driveway “accidents” where both vehicles are totaled but no one is hurt. Of course, they can still drive both cars into a brick wall.
Involved in a not-at-fault accident is it your fault or the holder’s for driving their uninsured car if you thought it was insured?
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don’t work? Drivers fault. Not insured? Drivers fault. ReactionIf you drive a car that is not insured you can be ticketed for that. If you were not at fault in the accident then hopefully the other driver had insurance otherwise the harm to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the possessor of the vehicle to have the vehicle insured. ResponseThe law clearly states that it is the driver’s resposibility to make sure that the vehicle he/she is driving is decently insured and there are no acceptions, you will be ticketed.
If you are involved in a hit and run in your wifes car you are excluded on her policy and you left behind to add her car to your policy- Will your insurer pay for the damages?
Sometimes it all depends on what state your in and who the insurance provider is. I know people to have gotten in accidantsin others peoples cars when they were not listed as a carrier, and insurance still paid for it.
As the registered possessor of a vehicle with insurance what happens if your son is involved in an accident with your vehicle if he lives with his mother and is listed on her policy?
I am an Insurance Broker – dependant upon where you live, your son’s accident will be covered, either by your policy (considering you have adequate coverage, or his mother’s, considering her coverage) Here in Canada, no-fault permits our own insurer to cover the vehicle, no matter the driver.
Do you have to tell your insurance policy that you were involved in an accident with a company car even however it was not your fault?
U should .
I heard that u should, and if your individual insurance finds out that u were involed in a accident with a company car under company insurance ur insuance can be black list u..
i could be wrong.
If your attempting to get insurance for the very first time and you were involved in an accident with a company car under there insurance and it was not your fault do you still have to tell the insurance polic?
accident and Ins .
I had a minor at fault accident with a company vehicle. I provided my current car ins co with a letter from my old car ins co stating that they did not pay a claim on this accident. My fresh ins company accepted it and overlooked the accident..
You can do as above albeit it is best to tell insurance about all incidnets just in case other wise any undisclosed information could invalidate claims
Are you covered by your insurance if you are driving in a cast and are involved in a car accident?
It depends on your coverage & the state, but normally if you have utter coverage your insurer will cover any accident you are in.
What happens if an uninsured driver in an insured car is cited for a traffic disturbance or is involved in an accident?
Insurance goes after the car, not the driver. If you had permission to use it you should be fine. If you were cited for a traffic disturbance, you should just pay it ahead of time and then apologize profusely to your friend, since you just raised his rates for several years. If there was an accident and it involved any serious amount of money / injury, shell out the $70 and ask an attorney.
If you had an accident with no other cars involved and filed a claim to insurance with no police report do you have to report this accident to the fresh company if you get different insurance?
If you don’t the fresh insurance company can cancel your coverage and possibly not cover any of YOUR losses. They might also consider it to be fraud..
Any accident less than $750 isn’t chargeable, but if you packed a claim with another insurance company your fresh company would found out even if you don’t tell them, when they run your MVR which shows your tickets and previous insurance companies and claim paid.
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the proprietor of that car and is not on that car’s insurance policy?
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers “you” from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle..
Concerning the party that is not the proprietor nor on the car owners policy, the car possessor’s auto policy covers the car and any lawful driver aslong as their were no “misrepresentation” on the insurance application/contract. By misrepresentation I mean, at the moment the car proprietor signed the application and contract he was to state any material facts that could switch the underwriting decision such as premiums. For example, if the car proprietor has a son who will also drive the car, the car possessor is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a “undisclosed driver” was operating the veichle the insurance has Two options. 1. He can Void the policy/contract and not cover the auto proprietor. or Two. He can cover the auto holder and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car..
Note” In infrequent cases, an insurance company will cover the “undisclosed driver” aslong as the difference in the premium is paid.
When involved in a multi car accident do all insurance company’s need to pay you?
Not unless there are unusual circumstances..
Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.
If my daughter does not own a car and is not listed on my insurance policy can she drive friends cars and does their insurance cover any accident she may have?
Subject to anyexclusionsin their policy, with permission she would likely be considered an insured driver, but many many exclusion, and one is that she isn’t a ‘regular” driver, without being rated on the policy of course.
What is an accident based insurance policy?
The term “accident insurance” applies to life and health insurance policy’s that will only pay claims that result from an accident. Example: A person who possesses an accident-only disability policy falls ill from cancer. The policy will not pay any claims as a result of the cancer. If the same person fell down a flight of stairs, the policy would pay.
If you are driving with only a permit and a licensed driver is in the car next to you but the car is under your parent’s insurance policy will an accident be covered by your parents insurance policy?
Yes, unless you are listed as an excluded driver. To be sure in the future have your parents add you to their policy. Provided you are Eighteen or junior, most companies will not charge you to be on your parents policy with just a permit.
You are in a single car accident as a passenger the car involved is underinsured can you collect on your underinsured even however you were not driving and the vehicle is not listed on your policy?
no. you can not collect on something that you are not paying for. However… you can sue the driver, if this is what you want to do, call you insurance company and let them treat it. If you do not have an insurance company, call an attorney.
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.
Can you be held responsible for a car accident involving a car under your policy that someone else wields?
You may be legally responsible but since the car is on your policy it is your rates that might suffer if the accident was the fault of the driver of that car.
Will your insurance pay if a non-licensed driver was driving a vehicle under your policy and was involved in an accident?
It basically just depend son your insurance policy. If you havestandard policy and the driver was not excluded then you likelyhave coverage, if you purchased a more economical but limitedpolicy, (AKA Named Driver policy) then it may not be covered. Bestadvise is to simply contact your insurer to ask if the non-licenseddriver will be covered or not.
If an unlicensed driver was involved in an accident in one of the vehicles on your auto insurance policy Will your insurance cover the charges?
Maybe. Did the unlicensed driver have your permission to be operating the car when the accident occurred? If so, maybe not.
With joint policy is hubby penalized on car insurance if wifey has accident?
yes, they are held responsible. if you have two cars, put safer driver on more expensive veh as primary, and make unlucky driver primary on older car.
If a friend drove your vehicle when there was no insurance and was involved in an accident who is liable for the cost to substitute the car?
There is more than one reaction to this question. Because you did not state who was at fault in the accident. If the other driver was at fault, it is that person or their insurance company that is responsible for the repairs on your car. If it is the friends fault, then it is the friend that is responsible. Even if the friend did or did not know you had did not have insurance.
What to do if you have a car accident and no car insurance?
Your rammed .
In the UK it is an offense to drive a motor vehicle without a valid policy of motor insurance. If however the car accident was caused by the other vehicle driver you would still be entitled to recover compensation for your injuries and vehicle harm from the other driver. See the related link entitled “car accident claim” for a description of how to prove who was at fault in a car accident. If you caused the accident – the Motor Insurers Bureau would meet the compensation claim for the other driver under the Uninsured Drivers Agreement but the MIB might seek to recover any compensation paid directly from you. See the related link entitled “accident car insurance” for a utter description of motor insurance and the MIB. Same screenplay in The United States. In the State Of Fresh Hampshire , there is no requirement of the state to have insurance. If you have a car financed, the financial institution will require that you have utter coverage but other wise, you can drive loosely withou5t insurance. But if you have an accident and you are the cause and have no insurance, you can be cited for no insurance, and the financial ramifications can be ruining. Be clever, at least carry the minimum of liability.
How soon do you need to report a car accident with no one else involved to an insurance company?
It is good to tell your insurance company within 24 hours of the accident. This way you can receive money from your insurance company soon so you can get your car immobilized.
What happens if you are in a car accident your insurance ran out two weeks ago and your not the primary insurance policy holder on the car?
The driver of the at-fault car is responsible for paying for the harm they cause to others in an auto accident. Having insurance transfers this risk from the driver to the insurance company. If you are found at-fault and do not have insurance you will be responsible for paying out of your own pocket for the harm you caused. If you do not have the money in the bank, or the assets to sell, be ready to have future wages garnished. If this happens you may want to consult a bankruptcy attorney.
Your friend lend you his car you got in to an accident should your insurance policy cover it?
Yes, your insurance pocily should covers all harm, based upon Texas laws. Reason Why? They should. Texas law required all driver must have auto insurance coverage before seating behind the sterling wheel.
If you are the driver of a friends car involved in an accident are you covered under your insurance or the owners insurance?
depends on the company and the details of the accident. most commonly the holder of the vehicles’ insurance will pay the claim and then subrogate (recover money paid out) against the drivers insurance company. for example, let’s say you have state farm and i have allstate. you are borrowing my car and get into an at fault accident that cause $Ten,000 in damages. allstate will go ahead and pay the $Ten,000 to the other party. once that is done allstate will basically send a bill to state farm for the $Ten,000 they paid out.
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 .
If you are the policy holder and you were involved in a car accident and your insurance announces your car totaled do you keep your car?
No, the insurance company takes the car and they give you the value of the car,(depending on condition,make,model,year,# of miles). .
What can happen if a teenage has accident with parents car and isn’t on the insurance policy?
Ordinary. You’ll get in trouble with not only your parents but also with the police [maybe] or the insurance company. Be Carful what you do with your parent’s cars!!!
Can you be charged higher car insurance after you were involved in an accident and it was on a different company policy it was also not your fault and lodged by the other driver?
If I understand your question you are in an accident not your fault and it was lodged, but the insurancewas through a different company than the one you had ? I think they can hike the rates.
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.
What happens if a car accident was not your fault but you were driving and you are not on the policy and the car is insured by utter coverage insurance?
ResponseYou should be OK, as long as, you had permission to drive that vehicle. In any case since you were not at fault, the other driver’s insurance co. is financially responsible for all damages. However, in some other cases, it is recommendable to review the policy of the car you were driving, in case the other vehicle had a liability coverage only.
Can you get car insurance on a car after the accident?
If the car has not been repaired but the harm is cosmetic they will most likely insure it for liability onlyIf the car has been repaired it will be no problem to get insurance. If the car is deemed salvage or rebuilt, you can get total coverage, however keep this in mind. A branded title makes the car worth 35% less than average retail. The coverage AFTER the accident , of course would not caver any claims concerning that accident.
What to do when involved in a car accident?
Call police. Check if anyone is injured. Call your insurance person. Get names or Lic numbers of any possible witnesses. Get a copy of accident report from the responding officer.
Can your car insurance cover your medical if you were involved in a motorcycle accident?
If your motorcycle was a scheduled vehicle on your Insurance Policy then you should be covered. If you were on someone Else’s Motorcycle then their insurance policy should cover your medical. If neither coverage is available then you could look to your major medical policy or HMO for medical coverage.
What car is involved in more accidents?
The one whose driver permanently speeds, drives recklessly or continually uses bad judgement. Reminisce: Driving is a privilege … nota right!!
Does a car accident involve inertia?
yes it does according to the law of physics if the vehicle is in maneuverability when the car stops abruptly, you will fling forward.
What happens if your car is insured but license is suspended and you are involved in an accident?
If your license was suspended, and you were driving, it is fairly likely that you insuror will NOT pay for the damages, and will cancel your coverage, because you were knowingly operating the vehicle unlawfully.
What if someone holding motor trade insurance gets involved in an accident on car not possessed by them?
If someone possesses a motor trade insurance policy and gets involved in an accident on vehicle not possessed by them, if its their fault, they go through their own insurance and car owners insurance doesn’t get involved. If its not their fault, they claim against third party insurers. Most of the time the vehicle repair cost gets given to the car possessor but if motor trade insurance holder has bought the vehicle but hasn’t transferred the ownership onto their name, they then need to provide some sort of proof that they purchased the vehicle, with previous owners confirmation.
If all four of you in a car accident are on the insurance policy will you all be looked after?
It depends on the policy wording (what you purchased with thepolicy). Most governments require all cars to have basic thirdparty insurance to be legally on the road. Third party insurance covers all property and people bruised orinjured by the driver of a car if that driver is at fault – the”people injured” will include passengers in the car of the driverat fault. Comprehensive insurance covers all that third party insurance doesbut also includes the drivers car and the driver, even if thedriver is at fault. The insurance companies covering the two carswill work out inbetween them which insurance pays for what. Basically passengers, bystanders and drivers not at fault will getpaid out by the insurance of the driver who was at fault. However injured passengers should pursue their claim against bothdrivers (let the insurance companies courts determine who pays in theend) individually. They need to get their own legal representation- get their own attorney /solicitor. THEY WILL NOT BE “LOOKEDAFTER” they HAVE to claim for themselves.
Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?
The real response is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what’s being insured is thecar ,not thedriver . If you give permission to someone to driveyour car and they get in an accident and it’s their fault, usuallyyour insurance company is going to be primarily liable for thedamages. Your insurance company will very likely pay (up to the limitsof your coverage, at least), and raise your insurance rates. Even if you didn’t explicitly give permission, in mostjurisdictions permission is assumed if the driver was a friend orfamily member. If you did not give them permission, you’re probablygoing to be asked to throw them under the bus and testify that they stoleyour car. One complicating factor is that while what’s insured is the car,theratesare set partially based on the car (some carscost more to fix, so will have higher comprehensive and uninsuredmotorist rates) and partly based on the drivers’ records (highercollision rates). If there’s a driver in your household with a poordriving record, you may get a cheaper rate by promising theinsurance company “Oh, no, he’s not going to drivethis car, he’s going to drive a different car insured by some otherinsurer, so you don’t have to worry about his driving record.” If you live in a state that permits you to exclude drivers from yourpolicy, and the driver was a person that you specifically excluded,your insurance company might be permitted to say “Hey, you said CrashBandicoot here wasnotgoing to be driving yourcar, and lo and behold, hediddrive your car, liar liarpants on fire, youpay for this, friend.” They maynot be permitted to wriggle off the hook entirely, but they probablywill at least be permitted to use drastically diminished coverageamounts, leaving a large bill for you to deal with. Crash’sinsurance (if he has any) may, or may not, kick in.
What happens if you’re involved in a auto accident and have no car insurance and no license?
Basically, you’re out of luck. It’s a crime to drive without a license. And it’s almost certainly going to be treated as your fault, meaning nobody’s going to pay to repair your car and you’re going to have to pay to repair the other car. (In practice, the other dude’s insurance will most likely pay for his car … and then they’ll go after you to attempt to reclaim the losses. And they haveverygood attorneys.) You will end up paying the judgement for years to come. Most likely is a lot cheaper to buy the insurance and get the license to begin with, or take the bus. Driving is not a right; it is a responsibility, but now you know that. It is also likely that you will be arrested and the car will be impounded. That will result in a criminal record and impound fees that will be your responsibility. Ifyou ever get it together to get a valid license and a car you will find yourself in a high risk category and your insurance will be very expensive.