0
What if a person hit your car and totaled it but they don't have enough insurance covage what should you do?
Wiki User
∙ 16y ago
You uninsured motorist coverage, if you have it should handle the gap. Otherwise, you can sue the driver that hit you for the difference.
Wiki User
∙ 16y ago
Add your answer:
Earn +20 pts
Your truck was totaled and the person that hit you does not have enough insurance what should you do?
Sue him.A bit more:If the person who hit you doesn't have enough insurance to cover the damages to your vehicle, then your insurance should cover the balance of the costs if you have full coverage and not just liability insurance.
Who gets the check from ins co when a car is totaled The titled owner or the person who has the insurance?
The titled owner
What does the insurance do when you are still paying on a truck and someone hits you and it gets totaled?
If the person who hit you is the one at fault in the accident, then their insurance should cover the cost of the damages to your truck. If they don't have insurance, or if they don't have enough to cover all of the costs, then yours should kick in and cover the balance if you have full coverage and not just liability insurance.
I have liability only and my car was totaled?
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
If two people have a car loan but only one person has insurance and the car is totaled in a single vehicle accident by the uninsured person will the insurance company still cover the car?
if you have gico then no but any other car insurance will yes
What can be done with a totaled vehicle under lien and only liability insurance?
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.
Your car got totaled will the insurance company pay for it if though the inspection sticker is expired?
Yes. The reason being is insurance covers the car not the person. So whether that person chooses to drive around with an expired license or an expired plate sticker is on them. You will still get a ticket for those violations, but you will have insurance and the insurance company will abide by everything in the insurance contract.
Do you have to carry car insurance on a car you cosigned for?
No, BUT the person driving it does and if they fail to do so and the car is totaled then you will both be on the hook to pay off the loan...so its something to think about
What happens if the car is fully insured but the driver is not and the car is hit and totaled?
The person who hit the car, if "at fault" would be responsible. If the person driving your car was the one at fault, then it would be your insurance that would have to cover it.
If someone drove your car without permission or a valid driver's license and hit another car and totaled your car will the insurance company cover it?
Yes, in most cases, but have mercy on the person that took your car. The insurance company will go after them
What argument can be used when an insurance co claims a totaled car is salvage and deducts from the payment but the title doesn't say it is salvage?
Your question is unclear. Did the insurance company declaire the car that was insured was a total loss. After that they would pay you for the entire value of the vehicle and keep the car since they paid you for it. The insurance company can then sell the damaged vehicle at an auction and make up for some of the loss or they can let the insured keep it and deduct the value from the claim settlement. I am an insurance agent but not a claims adjuster. Your questions is indeed unclear but I am assuming your car got totaled and they paid you less, as though it was a totaled vehicle to start with. They might know something you don't. If you purchased the car in the last 18 months from a dealer or person who gave you a clean title, the car may have in fact already been totaled but they decided to not file a claim and instead fixed it themselves at a cheaper cost and passed the car (and clean title) on to you. Meanwhile, the insurance company might have totaled the car and reported it as such. Or, the car was totaled in another state, moved to your state (a process called titled washing) and got a clean title for the short term, long enough to resell the car with a "clean title" even though it was totaled. When you renew your registration the title will come up salvage. Did you run a Carfax on this car prior to purchase?
Do you have to pay towing company if car is totaled?
If the insurance does not cover the expense it is likely the person to whom the vehicle is registered will be responsible for towing and any other subsequent charges such as storage fees.
