0
What kind of auto insurance do you need to just cover the other vehicle in case of an accident?
Wiki User
∙ 12y ago
So I'm assuming you don't want coverage for damage to your vehicle if it were in an accident. Then your probably just going to need Property Liability & Property Damage Coverage. You wouldn't need to carry comprehensive or collision coverage.
I'm from Michigan and we are a NO Fault Insurance state. So in my state most people call it PLPD. In Michigan, this is going to give you liability damage and property damage but no coverage for your vehicle itself.
Usually states have minimum coverage that is mandatory. In Michigan, the state minimum is is 20,000 Bodily Injury per Person / 40,000 Bodily Injury Per Occurrence and 10,000 Property Damage. The Bodily Injury covers injuries to the other party and the Property Damage covers the damage to the other person's vehicle. You also are required to have PIP coverage in Michigan, which is Personal Injury Protection which is unlimited. This coverage is your "Medical" coverage.
Hope that helps...
Wiki User
∙ 12y ago
Add your answer:
Earn +20 pts
Are there policies or companies that cover anyone driving your vehicle?
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
What is liability coverage on auto insurance?
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
What does liabilty insurance cover?
Auto liability insurance covers physical damage to the other vehicle if you are at fault. It also covers injuries for parties in the other vehicle when the accident was your fault. It does not provide any coverage for your vehicle, you, or passengers.
What if both parties only have liability insurance after a car accident?
If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your....and vise virsa.
Do you file a claim with your insurance company if it is your mistake?
yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.
If you were in an accident with no insurance and it was not your fault but the other car at fault has insurance and was issused a ticket will there insurance company pay you or the bank?
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
What do you do if you had an at fault accident but you have no insurance?
They can sue you. If you have no money in the bank or no assets (a home, vehicle, valuables), then it won't do the other person any good. It will be nearly impossible to get insurance now that you have an accident on your record without coverage (big no no). In the mean time, hopefully the other person has insurance to cover themselves against people who are uninsured in an accident.
If you only have liability insurance and you cause an accident does your insurance cover fixing the other party's vehicle?
Here in Canada we have NO-Fault where each insurer is responsible for their own insured. In that case, the other party's carrier would repair the vehicle, and then subrogate on your company.
What does liability auto insurance cover?
Auto liability insurance is specifically designed to cover any damage caused to other vehicles if you have an accident. It does not cover reapirs to your own vehicle. It is by law the minimum requirement for insurance in every state.
Who is responsible for an Accident caused by a driver of someone else's vehicle?
This depends on the insurance company. Some insurance companyies will cover other drivers if they are not regular drivers of the insured vehicle. Other insurance companies will only cover the person insured/owner of the vehicle. Most of the time, there are riders you can attach for an additional charge that will cover other, occassional drivers. If there are two people that drive a vehicle on a regular basis, both people must be insured, and generally that's like covering two vehicles.
If you had an accident and received a DUI will your insurance cover you and the other driver?
absolutely
If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.
