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If the other driver is at fault in a collision and does not have insurance can the claim be paid entirely under your uninsured driver coverage?
Wiki User
∙ 16y ago
Yes - that's the point of uninsured motorist coverage. You'll be bound by the terms of your policy so review it. But generally yes, if the at-fault driver is uninsured, you can make a claim against your uninsured motorist policy. You'll have to prove the other driver had no insurance. Generally an affidavit of no insurance, or a letter from the most recent insurer stating the policy had lapsed or was in some way not in force is sufficient.
Wiki User
∙ 16y ago
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If a friend drives your car and is charged with DUI and gets in an accident does your collision coverage cover the damages?
depends on your and his insurance, generally insurance follows the driver not the car. so your insurance shouldn't care, their insurance should pay for everything. If they don't have insurance, then your uninsured motorist might cover it. It depends entirely on your company, but if your company pays then your premiums will go up. The person they hit should have insurance that may cover it. I see no reason why your insurance should be involved.
What happens if an uninsured person has an auto accident?
As you failed to tke a insurance, you will have to pay from your pocket entirely.
Does health insurance pay for mental health coverage?
It depends entirely on the policy.
Can your car get repossessed for not paying your insurance?
IF your loan contract specifies that you must maintain insurance covering the vehicle, the answer is YES. Just an echo of the previous answer, most major lenders require that the vehicle maintain full coverage insurance. It states in your finance agreement that the vehicle must remain insured or it can be repossessed.
Will insurance cover an alcohol related crash?
Entirely dependent on whose fault it was. Did you crash your car while drunk? Typically no, unless you have full coverage. You need to look over your plan and speak with your agent. Plans different greatly in coverage. If you have liability only, no, insurance will not cover it.
What is a reasonable quote for insurance for a collector car?
A reasonable quote for collector car insurance will vary greatly by type and condition of a car. The quote will be based entirely on replacement cost so the more the vehicle is worth the higher the quote will be for insurance coverage.
What do you do when your car is hit while it is parked?
Hit N' RunChances are, the person who hit your car didn't leave a note - hit and run. A lot will depend on your insurance policy, but you should be protected against vandalism. In such a case, you should contact your local police and have a police report completed. Next, contact your agent with the report number and make arrangements for repairs. Expect that you will have to fork up your deductible amount, but this won't count against you as a safe driver (so, it shouldn't push up your rates). Bum deal, but hopefully nobody was hurt!Vandalism has nothing to do with a hit n run claim. First the insurance company will cover it under uninsured/underinsured motorist or collision coverage. To say it won't count against you is not a correct statement either. Insurance companies are starting to classify hit n' run or hit while parked claims as partially uninsured motorist and partially collision so they pay out under both coverages. This causes alot of issues if you are shopping your insurance because most insurance companies are going to access a surcharge for an at fault accident because of the collision payout. It is very difficult to prove a collision payout is not at fault as collision is automatically classified as an at fault loss. I have been an insurance agent for 11 years, please do not post information if you are not entirely sure that you are correct.
Which is an access method in which collision is entirely avoided?
Csma/cd
What is the best car insurance India company Is there a loan company that do not require insurance on the car?
The best motor plan coverage India for you will depend entirely upon your specific requirements related to insurance cover, premium and a lot more. You need to get into a serious comparison for best auto comparison for insurance online. No. There is no loan company in India that will not ask you for insurance on the car.
What does health insurance cover?
That entirely depends on which insurance from which company.
Tips on Switching to Go Insurance for Your Cars?
Go Insurance provides coverage for any type of vehicle that you happen to own. Switching to this particular company can truly be beneficial in your fight to save money every month. It is recommended that you use their easy rate calculator to determine how much you will be paying for your coverage. It may also help if you compare a few other companies before you switch providers entirely. Go Insurance can give you the insurance that you need to feel comfortable out on the road. Just contact them by email if you have any questions about switching to their insurance.
How to Get a Good Deal on Auto Insurance in Maine?
With the cost of just about everything rising it is becoming harder to find an affordable insurance policy to cover the family vehicle. Many residents in Maine are paying more than they need to because certain discounts are available for qualified car owners. Locating these discounts can be made simpler by comparing quotes from a number of insurance companies. This is accomplished by using an online matching service. Any safe driver discounts, price cuts for multiple vehicles and lower rates for the combining of different insurance types will be found by investigating offers from competing providers.How Car Insurance Rates Are FiguredStatistics gathered about vehicle safety and traffic accidents are reviewed on a constant basis by insurance companies. In Maine, drivers will find that insurance rates vary depending on where the car is parked at night, how many miles it is driven, what the vehicle is used for and the driving history of the insured.Maine requires all drivers to carry at least a 50/100/25 liability policy. This is somewhat higher than the national average but the cost can be lowered if the liability coverage is combined with collision and comprehensive insurance. Drivers in Maine must also carry uninsured motorist protection and at least $1,000 of emergency medical cost protection. When shopping online for insurance these will automatically be figured in when the driver enters Maine as the state of residence.Some Tips For Saving Money On Auto InsuranceDrivers should look at the figures given as part of the online quote and decide if the coverage amounts are too high or too low. If the vehicle is owned outright it may be worthwhile to reject the collision coverage entirely. The cost of repairs may not be as much as the deductible. Older cars cost nearly as much to cover with collision protection as a more expensive late model.Combining auto insurance with homeowner's coverage, insurance for a pleasure boat or even a motorcycle may result in lower premiums. If an insurance shopper has changed addresses or has moved to Maine from another state, insurance companies should be informed so that a more detailed driving record can be obtained. Safe driver discounts include no accidents, no moving violations, no driving while intoxicated and no lapses in coverage. All vehicles owned by household members should be covered by the same policy in order to save money. Teens cost more to insure but a price break will generally be offered if the youth is added to an existing policy.
