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If you have pl pd insurance coverage and are involved in an accident that is not your fault does the other company have to pay for your vehicle repairs?
Wiki User
∙ 17y ago
i think you have liabilty insurance. this covers damage to other peoples property & other peoples personal injury. it does not cover you in any way, unless you have some rider on your policy. however, if the other person is At Fault, then they, or there insurance company should be liable for your damages, both property & personal including rental coverage while your vehicle is being repaired. please keep in mind that i am in Illinois. other states might have different guidelines. also, be aware that there probably is a deductible on your policy. your insurance company cannot persue damages against the other party or there insurance company until the amount of your damage exceeds your deductible. then your insurance can subrogate your damages. however, if the other party, or there insurance company comes after you, then your insurance company is obligated to defend you without reguard to any deductible you might have. i have to add to this answer. no insurance company can make you go to one of "there shops". they also cannot demand that you get 3 estimates. keep in mind that you own the car. you have the choices. you can buy Pizza with whatever monies you get, but by the same token, an insurance company is only obligated to pay prevailing rates for your area. if 10 shops in your area charge 10 dollars an hour, but the shop you want to use charges 12, you would be respossible to pay the difference. also, keep in mind that insurance companies do not fix cars, they pay for damages. so if this other party scraped the corner of your bumper, that is all there insurance company is obligated to pay for. if there are other damages on your cover, the shop might want more money to repair that as well. this would be your responsibilty.
Wiki User
∙ 17y ago
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Do you file a claim with your insurance company if it is your mistake?
yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Does the insurance company have to pay for a rental vehicle for a client until their vehicle is fixed if they have full coverage insurance?
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle?
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.
Can your insurance company cancel auto coverage after you had an accident?
If you have an accident in the first 60 days of your policy,, Yes They can cancel your policy
How do i find a person's insurance company?
If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.
Will AARP auto insurance cover you if you are driving someone else's car that gave you permission?
First of all AARP is not an insurance company. The Hartford insurance company is promoted by AARP. Usually the first line of coverage is with the policy that insures the vehicle involved in the accident. If that coverage is not sufficient to cover then the policy insuring the driver of the borrowed car may be able to add extra coverage.
If you have a suspended license and full coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
If you agree to an accident settlement with the insurance company can you sue the business that was involved and covered by the insurance provider?
No.
What services do the Globe life and accident insurance company offer?
Globe Life And Accident Insurance are a company that was founded in 1951 it is now based in Oklahoma city and has over 3.8 million policies in force. It provides Life, Accident and Health Insurance coverage.
If you meet with with an accident on the last day of your insurance coverage will insurance company pay for it and Can you report accident after the last day?
Generally, your coverage expires at midnight on the last day of your policy. Until then, you are covered. There may be some time limit during which you must report an accident, but if it happened while you were covered, the insurance company should take care if it.
