0
What happens if you get hit by a car who isn't insured and you only have liability?
Wiki User
∙ 14y ago
Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property damage coverage on your policy. They only way you can recover is to take the person to court and get a judgement.
Wiki User
∙ 14y ago
Add your answer:
Earn +20 pts
Will a homeowners' policy cover an accident off the insured property caused by a noninsured person?
liability coverage is only for persons that meet the definition of an "insured"
If an insured driver was driving your uninsured car would their insurance cover an accident?
Only if the driver was responsible and only for his liability
Do you have to provide a copy of your insured's liability policy to a claimant's attorney when requested in Ohio?
You don not have to provide a copy of your liability policy when requested. You only have to provide the policy if a court or judge requests it.
Can you have your car towed if you or the car are no longer insured?
Yes. The tow company assumes liability when they hook up, however, this is only in a liability sense. I would just call one, and ask them.
Is additional insured the same as insured as used in a business income coverage policy?
An Additional Insured is only used for General Liability coverage. Since Business income is a property coverage, they would not be insured. Also, business income is designed to pay for loss of income to the insured, not lienholders, or contractors they are performing jobs for.
When borrowing a pickup and hauling furniture something flew out and damaged truck He only has liability will that cover it or will your insurance have to cover it?
Liability would only cover the insured for his damage to the property of someone else. Your insurance will have to cover the damage to his truck.
A general liability policy has fire legal liability does this provide any of the property perils say hail or wind damage to the building or space the insured is occupying?
No, the coverage would only apply for losses as a result of a fire.
What does Additional insured mean with regard to general liability?
You are the insured. Your landlord or partner or banker may be the additional insured. They have a financial interest in or liability at stake with whatever it is you are insuring. It does not cost you more to name an additional insured. Why didn't you aks your agent this question? Can the person I was working for withold money owed to me because I did not put him under additionaly insured? Not legally unless it was contractually noted. If you did not have a loss you can just add the additional insured now. In a contractor/subcontractor relationship the contractor may request the subcontractor to name him "additional insured". In the event that a liability issue arises and is caused by the work of the subcontracor, the subcontractor's insurance will not only cover any claims made against the sub, but will also provide claims made against the contractor in regards to the sub's negligence. Many insurance companies DO charge a flat fee or a percentage based fee to name an additional insured.
What is Severability of interest cross liability?
Severability of Interest is also known as "Seperation of Insured." here's some ISO forms that mention it;General Liability Form CG 00 01 12 04 on page 12There's also mention of it under the Business Owners Coverage Form BP 00 03 01 06 page 41.*****Separation Of InsuredsExcept with respect to the Limits of Insurance of Section II -- Liability, and any rights or duties specifically assigned in this policy to the first Named Insured, this insurance applies:a. As if each Named Insured were the only Named Insured; andb. Separately to each insured against whom claim is made or "suit" is brought. *****
What happens if insured driver hits unlincensed driver?
If it was your fault, then regardless of their license status they can still sue you. Their license status only affects their likelihood of getting a citation for driving without a license (and maybe insurance) but it does not affect your liability. You'd still be liable for the accident no matter whether they had a license or not.
Why do you want to join Insurance sector?
as per my observation this is the sector where we need to work because only 0.2% people of india has been insured as compared to America where 75% of population is insured. Moreever the insurance is not only restricted to life insurance its scene has been change we could have insuranc of health,property,liability..etc..
How is renter's insurance different from homeowner's insurance?
Normally, renter's coverage applies only to the contents of the dwelling (furniture, for example). In contrast, homeowner's coverage is much broader. It applies to the structure of the dwelling, contents, and typically has an element of liability coverage that provides protection to the insured in case a guest is injured, because of the insured's negligence, upon the insured premises.
