0
Can you make a claim against your insurance policy if you hit another car that is also covered in your policy?
Wiki User
∙ 8y ago
Not likely. In most auto policies, there is specific language that your liability coverage excludes other vehicles owned by you or a "family member" (ie, someone in your household). This would likely be true, too, for a vehicle you hit that's already on the policy.
Instead, most carriers will set up collision claims for both the vehicles, and your deductibles for each vehicle will apply. If the vehicle you hit doesn't carry full coverage, you'll have to pay for its repairs out of pocket.
The reasoning behind this is pretty simple. One, you can't be liable to yourself, thus triggering the liability coverage. In this case, being "liable to yourself" would mean damaging your own property.
Another reason is that your liability coverage is for reasonable or acceptable risks. While hitting your own vehicle is rare, it is easy to do because both your cars might be parked in the same driveway or garage.
Overall, though, the policy -- or contract -- that you signed with your carrier probably has the exclusion for other vehicles owned and/or insured by you. By obtaining your policy, you agreed to this condition.
Wiki User
∙ 8y ago
Add your answer:
Earn +20 pts
What does medical claim mean?
A medical claim is the application for compensation against a health insurance policy or against another's liability insurance policy for the covered portion of a covered event.
What is covered by a trade credit insurance policy?
Trade Credit Insurance is a type of insurance which is offered to businesses. The insurance policy covers accounts receivable, guards against bankruptcy, and protects the business against credit risks.
What is peril insured against?
That would depend on your insurance policy. Te covered perils are listed in your policy package under the heading "Covered Perils". You could review your coverage with you Insurance Agent for clarification.
If you get a new car and you have insurance on another car is the new car covered or not?
It is not automatically covered. You must call your insurance company and add the car to your policy.
Does homeowners insurance cover termite damage?
Usually not. Check your policy for Perils Insured Against, and Exceptions. Call your insurance company. If they say it is not covered, ask where it says that in the policy.
Is your car covered by homeowners insurance on their property?
No. Your Car is covered by your Auto Insurance Policy. It is never covered by a homeowners policy no matter whose property it is on.
What is The different between insurer and insured?
The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.
What is the difference between insured and insurer?
The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.
Are you required to be on car insurance policy to be covered?
Yes. If you're not on the policy... you're not covered
What is standard fire policy?
A fire Insurance Policy is Fire Insurance for the covered property indicated on the policy.
Does insurance cover a minor driver who is not on your policy?
If they are not on your policy then they are not covered.
Is lost cash covered by insurance?
Whether lost cash is covered by insurance depends onwhether the insurance policy either says it covered, or says it is not covered.
