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If you are in a no fault state and sustained body damage to your car but do not have collision coverage who pays for your cars damage if its also hit and run?
Wiki User
∙ 14y ago
Physical Damage from a 'Hit and Run' is usually covered under the "Uninsured/Underinsured Motorists Coverage". However, there is usually a deductible of $200.00 to $250.00 Review your insurance policy....limits will be stated under 'Insured Coverages'. In this case, the fact that you are in a 'No Fault' state is moot since you apparently did not know who hit your vehicle in the first place. Also, do not be lulled into a false sense of security by the term 'No Fault'...........that is RARELY the case and is an out-dated term.
Wiki User
∙ 14y ago
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Both parties in accident have geico ins. who pays for deductible?
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
What is the collision coverage?
That is the part of your insurance that pays for damage to your vehicle, when you are at fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.
In a Full Coverage Vehicle insurance policy what is the collision coverage?
The collision coverage specifically covers the repairs to your vehicle, regardless of fault. If you are at fault for instance, your car would be repaired, but you would be responsible for the deductible cost. If you were NOT at fault, your repairs would be covered fully, and at no additional cost of the deductible.Answer: {| |- | A means of protecting your auto from damage stemming from an accident between the insured and another vehicle and/or object.|}
Does collision coverage insurance pay medical bills?
No. Collision coverage pays for the physical damage to your own car, subject to any deductible. Medicals are paid by a separate coverage-sometimes called Personal Injury Protection, but it may be called by a different name depending upon the State involved. It is what is generically called No Fault coverage. It pays a percentage of your medicals and lost wages if you are infured in an auto collision irrespective of fault. As such, it is a form of "first party" coverage that you maintain on yourself.
You have no collision coverage and was hit by another car what can you do?
Collision coverage covers accidents you are at fault for. Their insurance should pay for any damages to your vehicle.
What does collision coverage What does collision coverage?
In automobile insurance, collision coverage provides for repairing a vehicle when it is damaged due to the fault of the insured. Liability insurance provides for cost of repair of the OTHER vehicle if you damaged it.
What does auto collision insurance mean?
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.
Will no fault insurance cover hitting a deer?
If you have Personal Injury Protection coverage on your policy and you are injured after striking an animal it should apply to your injuries. You must have "Other than Collision coverage" for the damage to your vehicle.
What is property damage coverage?
Damage to someones property if you were at fault.
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.
How does no fault auto insurance work if you hit a parked car?
No Fault insurance ONLY deals with medical injuries to you if you are driving. No Fault has nothing to do with property damage liability. If you hit a parked car, then your Property Damage Liability coverage would pay to repair the parked car and your own Collision coverage (if you have it...it's optional) would pay to repair your car.
If someone other than a family member is involved in an accident in your vehicle and is at fault whose insurance is responsible?
Barring any exclusions in the policy, the insurance 'stays with the car' so your insurance will pay for the damage to the innocent persons vehicle (under your liablity coverage). If you have collison coverage on your vehicle/policy it too will pay to repair your vehicle less the deductible. If there is no collision coverage on your vehicle and the driver has a policy with collision coverage the drivers collision coverage may step in and repair your vehicle, but ONLY if you don't have collision coverage.
