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In an accident if there is no damage to your vehicle but theirs is damaged do you pay a deductible?
Wiki User
∙ 15y ago
No. The deductible only applies to your vehicle.
Wiki User
∙ 15y ago
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If the deductible is more than the damage do you have to go through your insurance company if you have a minor accident?
Only if there were another vehicle involved. If for instance you back into a tree you wouldn't want to make a claim, unless the damage exceeded the deductible. Perhaps not even then.
Is your car salvage after an accident?
It depends. Is there damage, what is damaged? What is the repair cost estimate? What is the year, make and model? What is the blue book value of the vehicle before the accident?
Do you need the extra insurance car rental companys offer?
It depends on the situation. You will need to speak with your insurance agent. Different companies have different policies on transfer of coverage to a rental vehicle. If you have had an accident and the vehicle that was damaged is being fixed causing you to rent a vehicle, most companies will transfer the physical damage coverage on the damaged vehicle to the replacement vehicle (rental car). If you are renting a vehicle just for pleasure or any reason not relating to a claim then most likely there will be no transfer of coverage. In this case you may want to purchase the physical damage deductible waiver. A rental car company provides liability and physical damage coverage on their vehicles. Usually all the offer is a waiver to eliminate the normal deductible if you damage the vehicle. You may want to discuss with them the most that you can owe if damage occurs and decide based on that and the cost of the waiver.
What is the auto dudctable insurance?
In terms of auto insurance, the deductible is the amount the policyholder is committing to pay if their vehicle is damaged or stolen before the insurance company is responsible for paying out a claim. A deductible applies to both comprehensive and collision physical damage coverage. Comprehensive will pay for damage or loss to your vehicle resulting from fire, theft, vandalism, hail damage, and wind. Collision pays for damage caused by an accident. You will be required to choose a deductible for each coverage ranging from $0 to $2000. While higher deductibles offer lower auto insurance rates, you will be responsible for paying this amount before the insurance company will cut a claims check. Choose a deductible that is practical for your situation.
What is my liability if I am driving my relative's car and have an accident which is my fault?
Well depends if you had permission to drive the vehicle. If you did then their insurance should cover the damage. But you might be sued over any deductible they may have so I would just offer to pay the deductible. If their ins does not cover the damage, you more than likely will be sued for the damage.
If you have full coverage auto insurance and you damage another vehicle and not yours do you have to pay a deductible?
It is the liability portion of your auto policy that pays for the damage to another vehicle that you hit. There is no deductible to fix the other car.
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.
I had a single car accident with no injuries and just damage to my car. How do I proceed with my insurance company?
You call your insurance company and file a collision claim. You pay your collision deductible and they will set up repairs for your vehicle.
Who is responisible for the damage to my vehicle if someone driving my vehicle intentionally damaged your vehicle?
you are because your the vehicle owner
If you hit a parked car and the damage is over your deductible how does that work?
If you hit a parked car, the deductible applies to your vehicle, not the parked car. The other vehicle is covered by your liability coverage and there is no deductible attached. You pay the deductible on the repairs to your vehicle, usually to the shop after the work is completed, the insurance company handles the balance directly.
Can your insurance go after someone that damaged your car and get your deductible back?
Yes. If someone hits your vehicle and the insurance company pays for the damages, they will go after the person who was at fault for the damages paid and after they collect all the money paid out they will reimburse you for the deductible that you paid when the vehicle was repaired. The damages were paid under your uninsured motorists coverage which has at least a $250 deductible for property damage so when all the damages are recovered from the person, that will include the deductible and you will get a check back for that amount.
What is a full coverage auto insurance?
Their is no such thing as full coverage in legal terms. What people refer to when they say that is Physical Damage Coverage for a vehicle. What physical damage coverage breaks down into 2 parts. Collision Coverage: Does include a deductible, covers the vehicle from damage resulting in a person being at-fault in an accident, and damage has occurred to the vehicle in which it has to be repaired or replaced. This does also protect the vehicle if an accident or damage results from a uninsured motorists or under insured motorists Comprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Remember, insurance company's insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.
