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If the accident is your fault, your insurance company is not going to pay out anything. If it is the other person's fault, the other insurance company will be liable.

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Q: What can be done with a totaled vehicle under lien and only liability insurance?
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Will liability insurance pay off your vehicle if it is totaled?

Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.

Your wife is not on your auto insurance policy She has rear ended another driverand his vehicle was totaled by his insurance company What are your responsibilities?

If she was driving your vehicle, with your premission, it would fall under your insurance and they would have to pay for the other drivers vehicle

Will insurance cover on a company vehicle?

If your question concerns liability insurance, ordinarily, liability insurance on a company vehicle will apply to you if you are endorsed as an authorized driver of the car and if you are driving it on a company mission.

Can I insure a car titled under my uncle in Arizona?

The answer to this question is easy and is NO. You cannot insure a vehicle that you do not own. This is very important. If you did this and totaled the vehicle, the insurance cannot pay you for the damages because you do not own the vehicle and they cannot pay your Uncle because he does not have a contract of insurance with the insurance company.

Will insurance cover the cost of a claim if your vehicle is unregistered and im at fault?

The registration of the vehicle has really nothing to do with the insurance. If you have valid insurance at the time of the accident, then you will have coverage for the type of coverages on your policy. If you only had liability, then the other parties vehicle will be covered as well as injuries of the other party. Your car will not be fixed under liability, you have to have physical damage coverage for your vehicle to be repaired.

What kind of coverage is required under compulsory insurance laws?

Liability insurance

Does liability insurance cover hail damage?

No. That would come under comprehensive insurance.

How long can you have a vehicle before you have to get insurance?

You should add immediately but if you have an existing policy, you do have 30 days to add the vehicle but under the same coverage you currently have. For example if you currently insure an old vehicle with liability only and you go purchase a brand new vehicle it would be covered immediately but just with the liability only. You would want full coverage on a new vehicle.

Does the owner have any liability if the cosigner of a vehicle has an accident and is not on the insurance?

Certainly. The owner of the vehicle has liability in many different ways. First, the owner of the vehicle is allowing the co-signer to drive the vehicle without listing them on the insurance as a driver. In this, the owner has committed insurance fraud and material misrepresentation against the insurance company. The insurance company therefore has a reasonable cause to deny all coverage for the accident. Now the owner will have liability to the other party in the accident for all their damages, lost wages, and/or injuries. The owner will have full liability for the repayment of the loan even though the vehicle is damaged or totaled because the insurance company has no responsibility to pay for said damages because the owner lied on the insurance application. The application and policy clearly states that the owner will notify the insurance company of any and all household members and drivers. By not doing this you have committed fraud. An insurance application and policy make up a legally bind contract which binds both parties to certain requirements under the contract terms. The policyholder is required to pay premiums and be truthful on the application and thereafter letting the company know of drivers, locations, household members, etc. and the company has a requirement to pay claims. If one party doesn't fulfill their part the other party is also not required to fulfill the other part of the contract as the contract is void.

Do all employers have to offer employers liability insurance in HI?

All Hawaiian employers must offer employers liability insurance to their employees. Under no circumstances are they (employers) not to offer insurance.

What is covered in a commercial liability insurance?

Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.

Does contractor liability insurance cover poor workmanship?

No. Workmanship is not covered under a artisan contractors liability policy.