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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
How do i go about getting my totaled and financed car covered by an insurance company that let me get a policy with no collision?
The insurance company would not have required you to get insurance coverage, as it is an optional coverage from the insurer's standpoint. The bigger issue is that the company through which you financed the car would have required collision coverage because it was interested in protecting the value of the collateral. Therefore, it may have obtained "forced-placed" collision coverage on the car and charged the premium to you (through your car payment). If that was done, you would normally have rec'd notice of it and been given a chance to get collision coverage and produce proof of it. Furthermore, collision coverage would have to have been in force at the time of the collision; it would not be retroactively applied to cover the loss.
Can you sue the state for hitting a deer your car is total and your insurance will not pay?
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.
What do you mean by collision coverage?
Collision is a coverage that usually applies when you "collide" with another vehicle.
Do I need to insure my car if I have drivers insurance?
It is uncertain what you mean by "driver's insurance". There is a kind of liability insurance called "non-owners coverage" that is often required under a state's Financial Responsibility Law when an individual has been in an at-fault collision, did not have the required liability coverage and when the other party's damages exceeded a stated amount, or when an injury occurs. It is also sometimes required when a judgment is entered against an individual for an auto collision and the judgment remains unsatisfied. Non-owners coverage generally will "follow the driver" irrespective of the vehicle that he or she is driving. Non-owners coverage provides no coverage for the vehicle itself such as for its repair or replacement in the event of a collision.
Can I get insurance to cover collision in Illinois?
You can get insurance to cover collision in Illinois. Simply check with your automobile insurance provider and add collision coverage to your coverage.
When is a car comprehensively insured?
Comprehensive is a type of coverage you can add to an automobile policy. Comprehensive coverage is a physical damage coverage that includes damage to your vehicle that is not included in collision coverage. Collision coverage is damage done when you hit something or turn the vehicle over. Comprehensive includes fire, theft, vandalism, and animal collision. You can have comprehensive without collision but not collision without comprehensive.
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.
How much coverage is required after your car is paid in full?
Usually your finance company will require that you have comprehensive and collision coverage. If there is no longer any liens in the car, then you may be able to remove these coverages.
Can you file a claim with your insurance company if your car is stolen and there is a lien on it?
If you maintained "comprehensive coverage" on the car, absolutely. This differs from collision coverage in that collision coverage is triggered by a physical impact to the vehicle and resulting damage. Comprehensive covers a broader range of occurrences. The lien holder is likely to have required you to maintain comprehensive and collision coverage in order to protect its security interest in the vehicle. That is, the insurance provides some assurance that the lien will be satisfied from the insurance proceeds. In that respect, the lien holder likely required that it be named as a "loss payee" on the policy, so any settlement will be paid jointly to you and to it.
What do you mean by collision?
Collision is a coverage that usually applies when you "collide" with another vehicle.
You have no collision coverage and was hit by another car what can you do?
Collision coverage covers accidents you are at fault for. Their insurance should pay for any damages to your vehicle.
