The insurance company would not have required you to get insurance coverage, as it is an optional coverage from the insurer's standpoint. The bigger issue is that the company through which you financed the car would have required collision coverage because it was interested in protecting the value of the collateral. Therefore, it may have obtained "forced-placed" collision coverage on the car and charged the premium to you (through your car payment). If that was done, you would normally have rec'd notice of it and been given a chance to get collision coverage and produce proof of it. Furthermore, collision coverage would have to have been in force at the time of the collision; it would not be retroactively applied to cover the loss.
The insurance company did not let you get a policy without collision. You chose the coverages of your policy and paid a premium for that coverage. As you had no collision coverage on your policy, you paid a lower premium for the coverage you chose. There is no way that the company will pay for damages done in a collision when you chose to not have collision coverage. An insurance policy is a legal binding contract between you and the insurance company. End of story. Your fault. Take responsibility for your actions.
In most cases, personal injury policies are not the same as collision insurance. You should check with your insurance provider to see if you are covered.
No your vehicle is not covered. That is why it is always recommended that you carry comp and collision and uninsured motorist.
If its comp and collision then it should be fully covered
It depends on the type of insurance coverage. If it was Liability insurance only, and she caused the wreck, then it is not covered. If it was Collision coverage, and she caused the wreck, then it would be covered. If she didn't cause the wreck, I'd check with the insurance company of the person who did cause it.
If everyone was legal, yes, a collision should be covered by the insurance company.
That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.
Liabilty will not cover damage from a collision with a deer no matter what insurance company you have. Animal collisions are covered under "Comprehensive" or "Other Than Collision" coverage. Liability only covers damage you do when you are at fault.
If you have collision coverage on your vehicle, the damage is covered under your policy. Your insurance company will then attempt to recover ("subrogate") the responsible parties insurance carrier....or the responsible party directly if they were not covered by insurance. If you do not carry collision coverage on the damaged vehicle, your only avenue of recovery is through the responsible parties insurance carrier or, the responsible party directly if they were not insured.
The CDW (Collision Damage Waiver) insurance covers the following: Liability, collision, theft and other damage. This sort of insurance is offered by car rental companies.
Animal CollisionIf your vehicle "collides" with an animal it will be covered under the "collision" portion of your Auto Insurance Policy. Answer from a General Insurance AgentAnswercomprehensive
Collision covers if you hit something or turn the vehicle over. The exception is an animal collision which is covered by comprehensive or (other than collision).
This will be covered under the collision portion of your Auto Insurance policy. You collided with a telephone pole. Hence, Collision coverage would invoke.