In January 2012, all members of the band were in a road traffic collision in Birmingham, England. There were no serious injuries. But three of them were treated for headache and spinal pain, which are both common after collisions. For the record, it is called a Road Traffic Collision, or RTC, not an accident. Calling it an accident implies that nobody is to blame or nobody did anything wrong, when in fact there is someone to blame or someone did do something wrong.
Its considered a collision loss. If you have Collision coverage your car would be repaired less your deductible. Your insurance carrier will also pay for property damage you may have caused in the collision. If the collision is with a animal it could be considered a comprehensive loss.
If the accident was your fault you're out of luck. If you were hit by someone, their insurance will total your car and pay you for its actual cash value.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
If the piece broke off as the result of a collision it would be the responsibility of the driver at fault in that collision, if it just fell off the vehicle during a non accident trip it is the responsibility of the owner of the vehicle that the part came from.
after what accident
That is called Manslaughter. Which means to kill someone by accident.
not always, but many times yes, assuming they are at fault and they have a vehicle with collision coverage and yours (as you said) does not then their collision coverage MAY transfer to your vehicle, you need to file a claim with your carrier as does your test driver with his/hers.
No, unless you die in the accident
A person from Kentucky is typically called a Kentuckian.
Someone who is harmed in some way involving an accident is commonly known as a victim. A person who saw the accident happen, but was not directly involved in the incident is known as a witness. Someone who was the cause of the accident is commonly known as an offender or culprit.
what do you mean by excess? if you mean your deductible if your collision coverage is used regardless of fault you will be deducted your deductible....i need more info/details and i could be of more assistance please...