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Who pays the deductible when the other person is at fault?
There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.
Can your insurance company raise your homeowners deductible without you consent?
it depends on the company
How can you find out if life insurance has been taken out in your name without your knowledge.?
How can you find out if life insurance has been taken out in your name with or without your knowledge.?
Can another Insurance agent take a split on commission without your knowledge?
Only screwed insurance agents will take a split on commission without your knowledge.
If your daughter's friend hit her car and claims he has no insurance is there any way to find out if he is really uninsured without a police report?
The best way to handle this is to file a claim with your own insurance company, assuming you have first party coverages on this vehicle. Your insurance company will pay for your damages, less your deductible, and will then subrogate your daughter's friend; subrogate means to recover the damages paid by your carrier. If the friend or his/her parents claim to have no insurance (in response to the letter your insurance carrier will send them), then your insurance carrier will ask them to reimburse the damages paid for your claim, to include rental reimbursement if you have that coverage and to include your deductible. ADDITIONALLY, your insurance carrier can check online to see if this family or individual does indeed have current auto liability coverage. However, it is a database that is not available to the public and a valid claim has to exist for a claim adjuster to run a check on an individual. Generally this is available only for reports/claims of Bodily Injury, but I have in the past, on a hunch, used it to determine the carrier of individuals involved with insureds whose claim was in my caseload.
Can you change the deductible and cap amounts on your health insurance policy without changing policy number?
Probably. Check with your specific insurance company.
What if your employer recently changed insurance companies midyear without telling you your deductible for the year was fully paid Do you have to pay a new deductible now?
Most insurance companies allow credit for the deductible met for services that actually incurred during the same calendar year. Call your new insurance company and find out if they allow the credit and what proof they require.
How do you get bobtail insurance without a contract?
you can't, but you can if you have a letter from a carrier showing you intend to contract
Can State Farm raise deductible on homeowners insurance without your consent?
It depends on the terms of your insuring contract. Maybe yes maybe no, Just read the terms of your insurance policy or contact your insurance agent.
Do I have to pay the deductible on a hit and run in a parking lot?
Without another party for the insurance co. to assess liability to, yes you will. Should be your collision deductible, but it also should not affect your rates when you next renew.
Is a health premium the same as a deductible?
No. When referring to health insurance, the "premium" is the amount you pay to the health insurance company each month to maintain your coverage. The "deductible" is a specific dollar amount you may be required to pay out-of-pocket per year before the health insurance company will begin paying for medical services covered under your policy. The amount you pay toward your monthly premium (or for copayments) does not count toward your annual deductible. Not all health insurance plans have a deductible, and even among plans with deductibles, some services may be covered up-front (preventive care, for example) without being applied toward your deductible.
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.
