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Physical damage coverage pays for damage done to your vehicle. This is divided into two policy provisions, comprehensive and collision. Collision is if you hit something or turn the vehicle over. Comprehensive is about everything else, including theft, vandalism, animal collisions, fire, glass breakage, etc. So the main thing you will need to determine is what caused the damage. If you hit a deer then it will be a comprehensive claim. If you hit a telephone pole or another vehicle then it is a collision claim.

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Q: What type of insurance will pay for damage to your car if it is declared to be a total loss?
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What type of insurance will pay for damage to your car or to replace your car if it is declared to be a total loss?

collision coverage

Why do you have to sell your vehicle to the insurance company if it is declared a total loss in the state of Alabama?


How do you get the most money from your insurance co after your car is declared a total loss from a flood damage?

I concur "100%" with Insurance Plus, you are owed the ACV (actual cash value) of your vehicle prior to the loss. The 'most' money is that amount, and no more. you are to be put back in the position you were in, prior to the loss no less and no better. The "Most" Money you can get is what is considered "Fair" compensation for your loss.

What are the benefits of purchasing insurance from the post office when mailing a letter?

The benefits of purchasing insurance when mailing a letter would be for example insurance against damage - or even loss. The actual price of the insurance depends on the declared value.

When a vehicle is involved in an accident and declared a total loss does the insurance get to keep it?

Yes. In most states, you can then buy the car back from them at a salvaged price.

What is Borderline total loss?

A total loss is when the cost of repairing the vehicle exceeds a pre-determined percentage of the vehicle's value. For example, if your vehicle is worth $10,000 and the damage exceeds $7,000, your vehicle may be considered a total loss (depending on the state and your insurance company's policy). A borderline total loss would be (in the same example) if the damage to your vehicle is close to, but not quite $7,000.

When is buying gap car insurance a good investment?

GAP insurance pays the value of the car minus liens applied to it and only pays in the event of a total loss. If you can get coverage that covers damage (as well as total loss), this would be better. If your liens are substantial in relation to the value of the car, then GAP insurance is not worth it.

How does an insurance company determine if an auto is totaled?

Normally if the estimated damage is 75% of the value of the vehicle, it will be considered a total loss. The reason for this is that there may be hidden damage that only appears after the repairs are initiated. This varies, depending on your insurance carrier.

What formula is used to determine if a vehicle is a total loss?

Insurance companies will determine that your car is totaled if the cost of the damage approaches or exceeds the car

What are insurance guidelines for totalling a truck after accident?

If the repair cost is higher that the ACV (actual cash value) of the vehicle, then, the vehicle is declared total loss. That is pretty much the only guideline used by Insurance co.

What does loss payee mean on a auto insurance policy?

The loss payee is any entity that has financial interest in the vehicle (usually a financial institution) that notifies the insurance company and the policy holder of that interest in writing. Any entity can be a loss payee, including your father, if he can show financial interest. The loss payee is usually the finance company that holds title to your vehicle. In the event of significant damage to the vehicle the loss payee needs to sign off on the check from the insurance company for the damage. This usually happens after the damage has been repaired. In the event of a total loss the loss payee will be sent a check for the amount of the loan and anything left over will you to the insured. Hopefully you won't owe more than the car is worth in the event of a total loss.

What does mobile insurance typically cover?

"Mobile insurance typically covers accidental damage, malicious damage, and reimbursement of unwanted calls. Mobile insurance also covers the loss, damage, or theft of accessories that came with the mobile."