If the other driver was At Fault and had liability insurance, you may be able to recover these damages. However, many states only require that drivers or registrants of vehicles have property damage liability insurance, which only pays for property damages caused by their negligence.
Also, most states require that you sustain a permanent injury to a part of your body in order to maintain a claim for pain and suffering damages. The permanency must be validated by a health care professional.
Therefore, without knowing more, it cannot be said with certainty whether you can recover these damages.
yes and they usually do.
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.
Did you locate the culprit? How much uninsured motorist insurance did you have? You have to find someone to sue.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Yes, but keep in mind that the other insurer may dispute liability (fault) and the extent of damages. Further, the other driver would have to have had liability insurance in order for you to get paid. Depending upon the jurisdiction in which you/he live(s), there may only be a requirement that property damage liability insurance be maintained. Therefore, if you sustained bodily injuries in the collision, the other driver would have been effectively uninsured.
It depends on what company you have insurance with, where you live, and how much coverage you have been paying for. I have The Hartford Insurance. I was in one, I was at fault and they paid for repairs on the other guy's car and my car. It all depends on how much coverage you pay for in your premiums. Yes.
If the other party has insurance then their "property damage" coverage should cover damage 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.
The way you are describing it B is at fault. If B is at fault and has no insurance, A's uninsured motorist coverage will take over as if the person had coverage. Any amount paid out will be retrievable by the insurance company through suit or other means. You subrogate your loss to your insurance company so that they can go after the other party for damages paid.
it means "are the loss payments my insurance company made on my vehicle recoverable from the other insurance company?" If something is subrogatable, it means it is leagally recoverable from someone else. In insurance, if you are in an accident and not at fault, your insurance company has the right to subrogate against the other insurance carrier to recoup the money they paid out to fix your vehicle.
driver's insurance has coverage for a specific amount of medical coverage for injury and even death. check with the other driver to see the coverage and report it to the other driver's insurance company to find out the process to have the bills paid.
You will need to open a consumer complaint with ChoicePoint and get the accident fault indicator changed to N.A.F.(not at fault) on your CLUE report. Then notify your Insurance company after your CLUE report is corrected. Then the company will remove the premium impact of an "at fault" accident.
The answer for this question is very complex and it depends upon the injury. If your at the No-fault state and you have no-fault insurance the insurance will cover general damages such as pain and suffering. The section of your policy that covers the bodily injuries (and your bodily injury claims) in a no-fault state is called Personal Injury Protectin or PIP. Although different states cover different things, in general, PIP covers your medical bills, lost wages, funeral costs and death benefits up to your policy limits. No-fault insuranc coverage can be very complex and you may want to consult a Personal Injury Lawyer to help you through the process.