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the owner/insured of the vehicle that has a collison claim is the one that pays/owes that deductible... deductibles only apply on your own vehicle repair...not the person's you hit (except for some commerical policys that have a deductible on their liabilty coverages)....now if you elect to use your coverage and another party is At Fault, then some times they will 'front' the deductible (if liablity has been determined and they have accepted full liab.) or your company will subrogate then entire amount including your deductible from the at fault party once all repairs have been made...but assuming you are at fault or it was a hit and run and can't find other party and you are using your collison coverage, then you will owe your deductible
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∙ 16y ago
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What does the term 'insurance collision' mean?
Insurance collision is a form of automobile insurance that covers physical damage. In most situations the insurer pays for the insured injuries, damage to the vehicle of the insured, and if the insured is at fault it pays for the damage to the other vehicle, and the other driver.
What does no fault pay and what does your insurance pay?
No fault coverage is a type of auto coverage that most states require a registered owner of a car to maintain. It pays a percentage of the medical expenses and lost wages of that person or members of his/her household who may be injured as a result of a collision. It pays the covered person without regard to fault for the collision. It pays nothing to the driver or owner of the other vehicle or property involved in the collision.
What is collision automobile insurance?
Collision pays to have your car fixed if it is damaged in a collision with another vehicle. There is usually a deductible that you have to pay.
What is chargeable collision?
Chargeable Collision: A collision in which the actions of the driver of a City-owned vehicle are the primary cause of the collision. Normally, the driver will have violated state or local traffic law.
A preventable collision is a collision in which the driver fails to do everything?
Reasonable
What kind of insurance policy would cover your car in the event it is hit in a parking lot?
That would be comprehensive coverage. Anonymous is wrong! It would be collision. It doesn't matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim. If your car is hit, then, yes, collision insurance covers it, but the *other driver's* collision. In the event that the other driver does not have or does not have enough collision insurance, you will need uninsured/underinsured motorist covered to pay for your loss, which, by the way, also pays for your loss if your car was hit in the parking lot and the other driver took off (i.e., hit-and-run). Comprehensive coverage will take care of this in NY. Vandalism I am a experienced agent for a large company, if the driver does not turn himself in to you it would be covered under the comprehensive portion of your contract. (and would be considered vandalism).if the driver stays and his company pays the expense it would be covered under collison on his policy.
Will Medicare cover pegnant girlfriend?
If your pregnant girlfriend is on Medicare it will cover it. Normal deductibles and co pays still apply.
What is the definition of preventable collision?
a collision in which the driver fails to do everything reasonable to avoid it.
Who pays driver fines driver or owner?
In most cases, the driver.
In a colision the second colision is when the unsecured driver strikes the inside of a vehicle?
In a collision, the second collision is when an unsecured driver strikes the inside of the vehicle.
How an Inexperience driver cause a collision?
They could swerve into somebody's car and cause a collision
If you're a passenger who pays?
The driver.
