0
How do i go about getting my totaled and financed car covered by an insurance company that let me get a policy with no collision?
Wiki User
∙ 7y ago
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.
Wiki User
∙ 7y ago
Wiki User
∙ 6y agoThe 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.
Add your answer:
Earn +20 pts
Is collision covered by personal injury protection car insurance?
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.
If you rear-ended someone and you dont have collision will your insurance company still pay for the damage of your car?
No your vehicle is not covered. That is why it is always recommended that you carry comp and collision and uninsured motorist.
If you had your granddaughter car insured and she wrecked it is the car 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 only your car is damaged and you have collision will insurance cover it?
If its comp and collision then it should be fully covered
If someone with a learner's permit drives a car that is insured but the licensed driver in the car is not listed on the policy are they covered?
If everyone was legal, yes, a collision should be covered by the insurance company.
Would collision or other than collision coverage apply if a liquid chlorine jug fell in your vehicle while driving and the chlorine damaged your carpet?
That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.
Will liability insurance cover deer damages for state farm?
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 a garbage truck hit your parked car do you go through insurance or go to the town hall and what insurance will cover that?
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.
What is covered under CDW insurance?
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.
Is hitting a dear comprehensive or collision?
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
If I don't have collision insurance will insurance company fix my car?
It depends upon the type of damage and the cause of it; some physical damage is covered by the comprehensive coverage of an auto policy. For example, glass breakage and vandalism is normally covered by the comprehensive coverage. All of that said, collision and comprehensive coverages are generally offered and purchased in tandem. Therefore, if one does not have collision coverage, there is a good chance that there is no comprehensive coverage.
What does collision coverage automobile insurance cover?
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).
