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Car insurance is too broad to define what is covered and what is excluded. There are different options and coverages that cover different things. Some cover your car itself and will pay to repair your car; this is known as Comp and Collision. Some coverages protect you from being sued; these are Bodily Injury liability and Property Damage liability. Some coverages will pay for your injuries; these are Personal Injury Protection and/or Medical Payments coverage. Do you want to be protected from someone hitting you, injuring your family, and not having any insurance? If so, you will want Uninsured Motorist coverage.
Talk to your local insurance agent and have them go over all the different coverages and how they work and what they cover. It's best to know this before an accident and not after. After will be too late.
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Will your flood insurance cover your car in the driveway?
No, Flood insurance will not cover your Automobile. Your Comprehensive Auto Insurance will cover flood damage to your Car.
What does property damage liability car insurance cover in an accident?
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
Will homeowners insurance cover damage to the neigborh house by your car?
No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances.
Does your insurance cover damage to neighbors car by shingles?
Your car insurance does not cover damage to another persons car that was caused by your home via weather or unforeseen circumstances. Their own insurance should cover the damage dealt to their car, assuming they have more than just liability coverage. If not, then it is their problem to fix their car.
Does car insurance cover damage caused by a siezed engine?
No. Insurance does not cover mechanical problems.
Does your auto insurance cover damage to neighbors car by shingles?
Your car insurance does not cover damage to another persons car that was caused by your home via weather or unforeseen circumstances. Their own insurance should cover the damage dealt to their car, assuming they have more than just liability coverage. If not, then it is their problem to fix their car.
What part of your insurance covers someone running into a fence?
The person's collision insurance should cover the damage to their car, and their liability insurance should cover the damage to the fence and property. If they have no collision insurance, they will have to fix their car on their own.
If you are driving your roommates car and damage it in your driveway whose insurance covers it?
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
Does home insurance cover if a tree l damage a vistor car?
No homeowners insurance does not cover vehicles, that's what auto insurance is for.
Will homeowners insurance cover damage to a car damaged at your home?
It depends on the situation but mostly the car insurance comprehensive coverage would cover any damage done in a non-moving accident.
Does liability auto insurance cover your car if you hit a pole?
No. Liability insurance will only cover your liability for property damage/injuries to others. In this case, it would cover the damage to the pole you hit. Your liability coverage will never cover damage to anything you own. You would need collision/comprehensive coverage to cover damage to your car.
If you only have PL and PD car insurance what does it cover?
PL and PD car insurance stands for; public liability and property damage. The insurance will cover a loss to an individual, other than yourself, or damage to someone else's property.
