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Uninsured Motorist coverage pays for your losses if the other party was At Fault and had no insurance. It is subject to the limits you chose and they are listed on your declarations page. As for Comprehensive, it is easier to define collision first. Collision is if you hit something or turn the vehicle over. Comprehensive is just about everything else. It includes fire, theft, vandalism, broken glass, animal collisions, etc. Comprehensive is not counted against your insurance record as a chargeable accident. Insurance laws vary from state to state so this is a general description and some minor issues may be different in your state. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.
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What do you do if you get into a car accident and have no insurance?
hope the other person has uninsured motorist coverage or else its coming out of your pocket. and then, their ins co may sue you. IN THE END, YOU PAY
The Ins and Outs of Uninsured Motorist Insurance in Virginia?
Whether in Virginia or another state, uninsured motorist insurance is often pushed aside by drivers. Unfortunately for those drivers, uninsured motorist insurance could come in handy in the case of an accident where the other driver involved does not have insurance. In Virginia, uninsured motorist insurance is actually mandatory. Residents are required to purchase uninsured motorist insurance as part of their auto insurance plan. Fortunately for residents of Virginia, uninsured motorist insurance can help protect from health care costs and other costs associate with an accident that the driver is not at fault for. Residents of Virginia are required to purchase 25/50/20 of uninsured motorist insurance with their auto insurance policy. This amount of insurance is purchased in order to cover bodily injury and damage to property costs associated with an accident. Additionally, uninsured motorist insurance can help pay for lost wages and other medical bills as a result of an accident. While uninsured motorist insurance may seem like an extra or unnecessary costs, statistics have shown that nearly 15 percent of drivers on the road do not carry liability insurance. In the case of an accident in which a driver does not have insurance, the driver at fault would be required to pay for any and all costs. If they can't, it becomes the responsibility of the other driver involved in the accident. It doesn't matter if the driver was at fault or not. In Virginia, drivers have the option of purchasing a deductible for uninsured motorist insurance. The deductible is the price that a driver is willing to pay out of pocket if they have an encounter with an uninsured driver that can not pay for damages and or medical bills. Fortunately, as it is mandatory in Virginia, purchasing uninsured motorist insurance or paying for a deductible is relatively inexpensive. As with all types of auto insurance, prices will vary depending on the insurance company. For best deals on uninsured motorist protection rates, it's best to shop around.
Does state farm ins comprehensive cover rodent damage in car?
Yes, rodent damage would be covered under your comprehensive coverage, your deductible will be applied.
What if a tree topple over and fall on your car will my homeowner ins cover it?
No, homeowners insurance does not provide coverage for automobiles. The vehicle owner will need to file a claim on the comprehensive portion of their automobile insurance
Is your car covered under homeowners ins or auto if your car get hit in your driveway by a large branch from your tree during a wind storm?
The comprehensive portion of your auto Insurance would cover damage from a falling limb.
What should you do if an uninsured driver who has filed bankruptcy hit your car which is insured in your husband's name but not yours?
You should have bought uninsured motorist coverage. A lot of peolople who file bankruptcy do not complete it, it becomes "dismissed" ins stead of "discharged", so filing bankrupcy only temporarliy prevents you for suing him. In Californai your husbands car is your car if it was acquired during the marriage as marriage is a prtnership in which each party can legally act in the interest of the other. If he fails to complete his bakruptcy, sue him. The DMV in Califorani can suspend his car license and his drive license until he pays.
Is Bravo Ins accepted as supplemental insurance?
I think so, but what does it cover
Does homeowner ins. cover a car burned due to bad electrical?
No, Home Hazard Insurance is for damages to your home due to a covered peril. Auto Insurance Comprehensive coverage is for damages to your car. You will need to seek coverage for your car from your Auto insurance Policy.
Will your Auto Ins. Co. cover if you fell asleep and had a car accident?
Yes.
Does home owners ins cover car tires slashed in driveway?
Homeowners insurance does not cover automobile nor there parts.
Does my policy cover me driving a friends car?
no, but if your friend has ins on their car, it will transfer to cover you as long as you're over 25
If someone hit your car in a parking lot and left do you have to pay a deductible?
yes if you are paid under the collision coverage or uninsured motorist property damage coverage (only applicable coverages for this scenrio), you generally don't 'pay' your deductible it is deducted from the ins companys payment if you repair your vehicle then you pay the ded. to the repair facility.....hard for people to understand but you chose your deductible when you purchase the policy and if that coverage is used that deductible applies regardless of fault....
