0
If your parked car was hit and both parties have the same insurance company is there anyway to recover your deductible?
Wiki User
∙ 14y ago
If your vehicle was parked you should not need to pay ANY deductible. If you were not found resonsible for the collision your expenses should be entirely paid by the at-fault driver. If necessary, you may need to take the other driver to small claims court.
Wiki User
∙ 14y ago
Add your answer:
Earn +20 pts
If your car is vandalized who pays for the damage?
The vandal if the can be found and sued. Otherwise your insurance if you have full coverage. You will pay a deductible and recover the deductible if the vandal is ever found and successfully sued by your insurance carrier.
What should you do if the person that hit you didn't have insurance?
The first thing to do is contact the police and get a police report. Because the person that hit you has no insurance, you need to report the accident to your insurance company. Your policy should have uninsured coverage and that coverage would cover you for medical and liability if you are injured. You would need to go under your policy to have your car fixed and pay your deductible. Your insurance company will then litigate for all moneys spent and try to recover from the uninsured party. They will also try to recover your deductible. Each state is different and you will need to discuss with your insurance agent.
What do you do if the driver who hit you does not agree to contact their insurance company?
If you have their driver's license number or the license plate number from their car, you can call the Division of Motor Vehicles for your state to obtain insurance information. From there, follow that company's procedure for reporting a claim. You could report the loss to your own insurance carrier and even make a claim if you think the damages exceed your deductible. Your insurance company would then contact the insurance carrier for the other party and make a claim to recover any amounts they had paid you, including your deductible. This is called subrogation.
Who pays your deductible if the other person is at fault in Michigan no fault auto?
No fault insurance refers to injuries, not property damage. Being in a no fault state simply means that your injuries are payed for by your own insurance company regardless of who is at fault in an accident. Fault is still assigned for the purpose of determining who is responsible for property damage. It is always the at-fault party's responsibility for pay for the damage they cause to you. If you are going to have the damage for your car payed for under your collision coverage then you will have to initially pay for your deductible, unless you have broad-form collision. If you do pay your deductible then your insurance company will sue the at-fault party to recover the money that they payed to repair your car, as well as your deductible for you. This process is called subrogation.
How can you recover from an uninsured motorist?
If you have uninsured motorist coverage let your insurance company settle with you then recover from the motorist in court. If you don't you will have to take the motorist to court yourself. Your insurance company is far better equipped for this than you are.
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 happens if the driver has no car insurance and they cause the accident?
It depends. Many insurance companies will have you pay your deductible, then they will attempt to collect the money from the other driver personally. (This is what happened to me when my car was struck, in Massachusetts where insurance is required, by an uninsured motorist from New Hampshire, where auto coverage is optional.) It took about six months, but my company did eventually recover the money and I was reimbursed.
Will your insurance company pay you a diminished value if accident is your fault?
No, if it is your fault you are not eligible to received diminished value from your insurance company. It has to be a third party claim, ie the party at fault's insurance company pays the damages if you can recover them.
Do you have to reimburse the insurance company for leaving grease unattended on your stove at your apartment?
Possibly. The insurance company has reimbursed your landlord for his loss, and may indeed be within their rights to attempt to recover that from you as the one responsible. You're not their customer, your lanlord is, and anything they can recover from you will reduce the premiums they charge their customers.Unless the insurance company in question is the renter's, because he had rental insurance. In that case, the renter would be the insurance company's customer. As to whether the insurance company would cover a grease fire, the renter would have to consult his/her policy.
If you are the victim of a hit and run accident how do you recover the deductible from your repairs?
Since you don't know who hit you, then you can't recover.
What if you were in a car accident and it was not your fault but you had no collision?
If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.
What happens if insurance replaces stolen items then the police recover and return the stolen items to you?
I recommend you contact your insurance company, and inform them of the recovered goods
