If your Motor Car policy covers First Party and your car gets damaged by a collision, the insurance co. will pay for that. Whereas when there is Third Party coverage in your policy and a third party's car gets damaged by your car, the third party's claim will be borne by the insurance co.
You call your insurance company and file a collision claim. You pay your collision deductible and they will set up repairs for your vehicle.
You are required by law to have liabilty coverage, but not collision coverage. If you did not have collision coverage then you are not due any compensation by your insurance company. If you did have collision insurance and the insurance company will not pay, then you may be able to sue the insurance company, but you cannot sue the state.
I would say that the tow truck is liable for this claim. This is also what your insurance company will say even if they go ahead and pay the claim to keep you happy. Most of the time your company will pay then they will subrogate against the responsible party. If you have comp and collision then their is no issue. If you have comp and not collision then issue of what happened may come into play.
A claim is a liability on part of the insurance company. If a customer makes a claim it means that the insurance company has to pay the customer for the amount is eligible to claim and hence it is a expenditure on the balance sheets of the insurance company.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
Collision insurance means that if you were to get in an accident the insurance company would pay to fix your car instead of the person's that you hit.
Yes. The insurance company will pay their portion of the claim which does not include the deductible because that is your portion .
If you had a collision and the other party does not have insurance, you would have to pay the deductible. Your insurance company would pay for any needed repairs.
Yes, the insurance company will pay, but they might drop you when they finish processing the claim.
It is always the at-fault party's responsiblity to pay for damages they cause in an accident. If you know who hit your car then contact their insurance company and file the claim. If you do not know who did it and you have collision coverage on your car, you can file the claim through your own insurer.
Usually in a bad faith insurance claim the insurance company is in the wrong. A bad faith claim is when an insurance company fails to pay out what was promised on the claim. More than likely you could sue the insurance company and have a chance at winning your case.
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