If the accident is your fault, your liability coverage will pay for the other person's damages. You will be out of luck as no coverage will be afforded for the damages to your vehicle or any injuries to you or your passengers.
If all you have is uninsured motorists then no it will not pay. you need liability insurance to pay for damaged caused to another. Liability is what your supposed to have.
Sure. You will ahve to purchase UMBI and UMPD as they only come together but thst shouldn't be an issue. You don't have to have Comprehensive and Collision or any other coverages in order to get Uninsured Motorists coverage. I firmly recommend UM to all my clients whether or not they have any other coverages other than liability. You cannot purchase limits of uninsured motorists coverage that are higher than your liability coverages.
Uninsured motorist coverage is a type of first-party auto insurance that compensates one if he/she is injured in a collision due to the negligence of someone else who does not have bodily injury liability coverage. Essentially, it pays the same sort of damages as the at-fault party's bodily injury liability coverage would have paid if it existed. It only pays for compensable bodily injuries--not property damage. In many States, uninsured motorist coverage must be offered in the same amount as one's liability coverage. However, the insured usually has the right to select lower limits or reject it altogether.
Only if the driver was responsible and only for his liability
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.
There are three types of automobile insurance coverage required in the state of Kansas. These include liability, personal injury and uninsured.
Liability only protects you from claims, UM is almost always only for injuries only. If they caused the damage, you have to track them down and make a claim against their insurance if they have any and you can find them. Check with your agent, we can only provide general answers that apply to most people in most states.
Only if the car carries collision coverage or the residing state offers uninsured motorists coverage for property damage. (some states don't). Also, with a hit and run, depending on which state your in, will depend on whether or not uninsured motorists for property damage will apply with hit & run.
The state of Georgia only requires liability and property damage coverage. You have the option to purchase additional coverage's. It is a good idea to purchase uninsured motorist coverage.
Here is the problem with that,"It is not legally possible to be liable to ones self"So no, liability only coverage will not cover damage to your own property, That's what the comprehensive and collision coverage is offered to you for when you purchase your auto insurance. Comp and Collision provides coverage for your own property, Liability provides coverage for property and injury of others.If you bought liability only, there is no coverage for your own property.Answer:It should, and if it doesn't, there should be other parts of the policy that can pay out. Coverages such as uninsured motorists or medical payments.
You are looking for liability only coverage. You should also consider uninsured & underinsured motorist coverage which will supply medical payments if you are injured by an uninsured or underinsured driver.