Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be At Fault.
claims if you are at fault in a collision.
If you have collision insurance.
Assuming that the at-fault driver maintained it at the time of the collision, his/her auto liability coverage would be triggered.
If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.
The other person's insurance covers damamge if it was their fault.
Yes collision insurance is in fact required by law. This will protect the other person if you are at fault for an accident.
It covers damage to your vehicle resulting from an at fault collision with another vehicle or object.
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
The term collision in insurance covers the cost of damage to a car that is the fault of the insured. Collision insurance does not cover any damage caused from vandalism or theft.
No-Fault insurance has everything to do with repairs. In the case of fault or not-at-fault, your car is covered, providing you carry collision and comprehensive coverage on your policy.
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.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.