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Collision generally covers you in collisions with other cars or property; comprehensive generally covers you in accidents that don't involve other cars, such as animal hits, weather-related losses, and theft or vandalism.
So you are covered under collision coverage !
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You were parked in a parking lot and your car was involved in an accident how long does it usually take for the other insurance to call you to look at your car?
They will wait for you to contact them! If you have comprehensive and collision coverage, you can file the claim with your agent and let them handle it for you. If not, file a claim with the at-fault driver's company.
Will comprehensive or liability insurance cover an accident that the driver tried to avoid an animal in the road and hit a tree?
Only collision coverage will cover a collision between your car and a stationary object.A collision between your car and a stationary object is always considered an at-fault accident. Striking an animal is always considered a comprehensive claim, and thus not at-fault.
If you hit an animal and damage your car is that covered under collision or comprehensive?
I can answer that ! Comprehensive!
If you hit a pole you did not see while backing out of a parking space what part of your insurance would cover your car comprehensive or collision and how will it effect your insurance rates?
Comprehensive and your rates will increase. After all, you are a danger to invisible poles everywhere.
Would it be collision or comprehensive that covers a car deer accident?
Wrong. Collision with an animal is considered a comprehensive loss. Collision with an animal is considered an exception to the definition of collision.AnswerCollision
Which coverage would cover a car falling off a lift comprehensive or collision?
Comprehensive. You did not dive the car into anything
What kind of insurance policy would cover your car in the event it is hit in a parking lot?
That would be comprehensive coverage. Anonymous is wrong! It would be collision. It doesn't matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim. If your car is hit, then, yes, collision insurance covers it, but the *other driver's* collision. In the event that the other driver does not have or does not have enough collision insurance, you will need uninsured/underinsured motorist covered to pay for your loss, which, by the way, also pays for your loss if your car was hit in the parking lot and the other driver took off (i.e., hit-and-run). Comprehensive coverage will take care of this in NY. Vandalism I am a experienced agent for a large company, if the driver does not turn himself in to you it would be covered under the comprehensive portion of your contract. (and would be considered vandalism).if the driver stays and his company pays the expense it would be covered under collison on his policy.
What does hitting a deer claim be filed under?
Usually Comprehensive. This is the same coverage that will cover a car fire, theft or storm damage to a car.
If your car was stolen and on the day it was returned you had an accident which claim will be applicable?
both, there will be two different claims, a comprehensive claim on the theft, (damage that was done by the theif) and a collision claim on the wreck you had when you got it back, and yes both deductibles would apply.....
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 do you do if you hit a car in the parking lot but you have no collision on your insurance?
drive away
What type of insurance will pay for damage to your car if it is declared to be a total loss?
Physical damage coverage pays for damage done to your vehicle. This is divided into two policy provisions, comprehensive and collision. Collision is if you hit something or turn the vehicle over. Comprehensive is about everything else, including theft, vandalism, animal collisions, fire, glass breakage, etc. So the main thing you will need to determine is what caused the damage. If you hit a deer then it will be a comprehensive claim. If you hit a telephone pole or another vehicle then it is a collision claim.
