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Will insurance cover your car repair if you were the one who hit the uninsured person and you have coverage?
Wiki User
∙ 16y ago
if you have full coverage insurance, yes it will cover you and other driver, depending on the limit of your collison coverage you have. if damage exceeds your coverage, then you have pay out of your own pocket to cover other driver's medical expense and damage. asian623 http://www.myspace.com/scionturboracing
Wiki User
∙ 16y ago
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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 can I do when Unknown driver damages my car and leaves the scene?
If you have collision coverage on your car insurance you can have your car repaired by our own insurance company, subject to your deductible. Depending on the state if you are carrying uninsured motorists property damage the coverage may be used to repair your vehicle too, often at a deductible of $200-$300. Check your declarations page for an outline of your coverages, and refer to your policy contract for the details on your uninsured motorists property damage coverage.
What happens if you hit someone while driving an uninsured rental car?
If you have an auto insurance policy that covers non-owned vehicles - then your liability and collision coverage would likely extend to your rental car. If you don't have collision coverage - then you will be on the hook to repair the rental car. If you don't have any auto insurance - then you can be sued for a lot of money by both the rental car company and the person you hit.
What can you do if an uninsured driver hit your car on private property and no report was made?
assuming you are insured, you still file a claim with your company (again assuming you have collision coverage on your vehicle) they will repair your car under that coverage and attempt to collect or subrogate the at fault party.....if you are uninsured some states (mine-Missouri) you can file a state report ask for an adm. hearing to determine fault for the loss and get a judgment for that loss........beware however if you are uninsured and your state requires insurance (don't they all?) you're busted too......
Does your insurance cover such things as collision repair?
When you arrange for auto insurance, you have a number of options for the type of coverage you want. Collision repair is one of those options. If the vehicle is financed, collision and comprehensive coverage are required. If coverage exists, refer to the policy for details. www.insurance.com
What does collision coverage What does collision coverage?
In automobile insurance, collision coverage provides for repairing a vehicle when it is damaged due to the fault of the insured. Liability insurance provides for cost of repair of the OTHER vehicle if you damaged it.
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.
Does car insurance cover auto glass repair?
Hi If you have glass coverage,, they will be happy to spend $50.00 on a repair then $250.00 on a windsheld
Will insurance pay for cracked windshield?
Does filing a windshield repair claim effect the my rates? Most insurance companies view windshield repair as preventive maintenance. If a chip is left unrepaired, it likely will crack out and lead to a costly windshield replacement. Most insurance companies waive deductibles for windshield repair. Windshield repair saves policyholders and insurance companies millions of dollars annually. However, we can't speak for every insurance company. How do I know if I will be covered for the repair? I will be able to tell you within minutes if you have the necessary coverage for windshield repair. On occasion, the insurance company will not be able to immediately verify coverage. As a general rule, a vehicle under 8 years of age is a safe bet. If you have more than liability insurance, coverage will usually pay for the repair. What insurance companies do you work with? We add new companies every day. We work with insurance's of all shapes and sizes. We only know of a handful of companies that choose not to waive deductibles on windshield repair. Will checking on my deductible or inquiring about windshield repair raise my insurance rates? Asking your insurance provider about your policy coverage and deductibles is generally not considered a claim. Will filing a windshield repair claim count towards my insurance policy? In many cases, insurance companies will not count windshield damage as a claim on your policy. What if I only have liability coverage? Because liability insurance only provides coverage for damages to another vehicle,windshield repair services are not covered under your liability policy. We offer multiple payment options including cash, checks, Visa, MasterCard, Discover and American Express. Will all insurance companies waive my deductible if my windshield is repaired rather than replaced? Many insurance companies cover windshield repair at 100 percent coverage with no deductible. We will be happy to help you with your questions regarding insurance coverage. Do I need to contact my agent or insurance company? We're experts at verifying coverage, filing the claim and handling all the paperwork. , We'll contact your insurance company and submit the claim on your behalf.
Does Allstate Insurance Company offer car repair insurance?
Depending on the coverage plan, Allstate Insurance can cover car repair costs. They can also cover rental car costs while your car is being repaired.
If someone other than a family member is involved in an accident in your vehicle and is at fault whose insurance is responsible?
Barring any exclusions in the policy, the insurance 'stays with the car' so your insurance will pay for the damage to the innocent persons vehicle (under your liablity coverage). If you have collison coverage on your vehicle/policy it too will pay to repair your vehicle less the deductible. If there is no collision coverage on your vehicle and the driver has a policy with collision coverage the drivers collision coverage may step in and repair your vehicle, but ONLY if you don't have collision coverage.
Where can I get glass repair in my area?
For windshield repair, there are limitations on the type of repairs that can be made and still maintain your insurance coverage. Investigate thoroughly before proceeding.
