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When you are at fault in an accident and the underinsured coverage for the other driver will likely be used can his insurance company collect from you?
Wiki User
∙ 17y ago
In most cases, yes.
Wiki User
∙ 17y ago
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Can you collect claims from your insurance and the other person?
if your accident is severe enough and the other person is underinsured - then you could collect from their insurance (must be their policy limits) and your insurance under the "underinsured coverage" or UIM - Underinsured motorist
You are in a single car accident as a passenger the car involved is underinsured can you collect on your underinsured even though you were not driving and the vehicle is not listed on your policy?
no. you can not collect on something that you are not paying for. However... you can sue the driver, if this is what you want to do, call you insurance company and let them handle it. If you do not have an insurance company, call an attorney.
What happens if there is an autombile accident with a motorcycle and you have insurance but the other motorcyclist does not have a license or registration?
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
What if you were in a car accident and it was not your fault but you had no collision?
If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.
What is the typical auto insurance?
"Typical auto insurance" is probably a misnomer. Most states require that certain levels and types of auto insurance maintained, but this is a matter of state law. There are also optional coverages that an auto owner may purchase. The primary types of auto insurance include the following: 1. Collision coverage: this pays for the physical repair to your own vehicle as a result of a collision either with another car or some other object. 2. Liability coverage: this pays for the damages for which you may be legally liable if the person or property of another is damaged by your negligence in operating a vehicle. If you or your insurer contest your liability, this coverage provides an attorney to defend you at its own cost. 3. Personal Injury Protection: this pays a portion of your own medical bills and lost wages if you are injured in a collision, even if it was your fault. In some states, it is known as "no-fault coverage". 4. Uninsured/underinsured motorist coverage: uninsured motorist coverage pays compensation to you if you are injured by the negligent operation of a vehicle by another and that person has no liability coverage (which would otherwise compensate you). Underinsured motorist coverage is triggered if their liability coverage is in an amount less than the "value" of your injury. Under certain circumstances (mainly, if you get your insurer's consent), you can accept the full liability limits of the at-fault driver, and collect the balance of the "value" of your injury from your own underinsured motorist coverage. The maximum amount that you can collect in uninsured/underinsured motorist benefits is the amount of coverage that you have purchased and for which you have paid a premium.
How does a plaintiff collect damages in an underinsured motorist case?
If you have uninsured motorists coverage your insurance company will pay for your damages up front then handle the whole thing for you. Under UM coverage they also pay for the cost of all legal fees involved with getting a judgement and in collecting from the person at fault. If you have no UM coverage then the entire affair is up to you and you will bear all costs involved. It may take many years to handle the process and the cost may exceed the benefit depending on the entire accident.
Can you collect from a company's insurance bond for damages on personal property?
If you qualify for coverage under the policy.
Do you need uninsured mortorist coverage if you have health insurance?
Well, health insurance won't repair your car will Uninsured Motorist will. Your health insurance won't pay for your friends, relatives, or children's friends who happen to be in your car when you have an accident with an uninsured motorist when they don't have health insurance. If they are injured and have no health insurance they will look to you for payment of their injuries. The cost for U.M. coverage is relatively small for the coverage that you get. Also, if someone hits you and has no insurance the Uninsured Motorists part of your policy will act as if the person had the required insurance that they should have in paying for your losses. After your losses are paid they will go after the other party to recover the costs paid that they should have paid. The costs to collect these funds are paid by your company and once they collect these funds even your deductible will be recovered and sent back to you. The legal costs to collect these costs could be substantial.
What does stacked uninsured motorist coverage mean?
Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you have a claim (therefore doubling your coverage--$20,000 per person/$40,000 per accident). If you have 3 cars, you collect from all three vehicles (tripling coverage). Unstacked means separate and you only collect from the vehicle you are in at the time of the accident. Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium. If you only have one car--you want to choose unstacked. Otherwise you pay more with no additional benefit
If an out of state driver with no auto insurance has an accident in NJ is their health insurance or the NJ driver's auto insurance primary?
Someone's health insurance is not going to cover any injuries in an auto accident. That covered by the insurance on the vehicle. Since there wasn't any, it would appear the victim(s) only recourse would be to sue. And hope they can collect any judgment they might be awarded. Health Insurance WILL most definitely cover injuries resulting from an automobile accident. Some motoe vehicle insurance policies even have a "health insurance primary" option. The questions was how to determine which is primary , the health insurance or the insured drivers motor vehicle coverage
What are an insurance agent's duties?
Agents order or issue policies, collect premiums, renew and change existing coverage, and help clients with questions or problems related to coverage.
