If you have only liability insurance then it would not apply. this is because it is not possible to be legally liable to oneself.
Someone else was hit on the headAgain, you may try filing a claim if you have medical coverage on your policy. But, your liability coverage would likely not invoke because that coverage tends to apply to a car in motion. Not when it is parked. Manufacturer Responsibility?This question could apply to that fine idea of nitrogen shocks that hold hood and hatch lids up, that commonly fail in colder weather causing the hatch lid of a vehicle to fall and hit one in the head.As the other answer stated, not covered by a vehicle policy and you would have to use the medical coverage you have. If this is the situation you are referring to, you could try recovering for damages if you don't have a health insurer, by attempting to sue the manufacturer of the vehicle or the manufacturer of the nitrogen filled shock absorber, but the trick would be to find an attorney that would take such a case, and you would also have to pay out of pocket for an expert that could support the dangers of design and just to what extent you are injured.
The only reason I bring this up, is that it is quite common to have these shocks on cars to hold trunk lids, hatch lids and hoods up and to see this junk fail
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car insurance
if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.
The insurance will pay for the car you hit.
If you are driving their car and hit their car, then their insurance will pay for the damage on both cars. If you are driving your car and hit their car, then your insurance will pay for the damage on both cars.
Uninsured motorist covers you in the case you are in an accident with another driver that does not have insurance. Comprehensive coverage is what will pay when you hit a deer.
if you have pet insurance that covers accidents then the insurance will pay
Typically the person who hit you pays. If they don't have insurance, your no fault insurance will pay for it.
If you know who hit your car, and they have insurance, then, yes, they should pay for it, so long as you were not parked illegally. Let YOUR insurance company handle this for you. That's what you pay them for.
Medical or Health Insurance
If you don't have insurance then there will be no one to pay for an accident. If you are hit by someone who doesn't have insurance your own insurance policy may pay for damage to your vehicle as well as bodily injury within your policy or state limits
The other person pays.
Yes, your insurance company will pay for your accident if you caused it, but your insurance will increase. You may want to weigh the cost of covering it yourself and filing it on your insurance.