0
Obviously every insurance claim is different, because every policy is different. For a specific question about your policy, call your broker or have a lawyer examine your policy. WikiAnswers does not claim that this is perfect answer or a necessary indication of what the insurance company will do.
With that disclaimer, there are two general types of car insurance coverage for collisions: liability and collision. Liability is far more common and required by law in most US states. However, liability only pays for damage incurred on the other person's car. So, for example, if you caused damage to another car (and depending on the fault rules in your state) that other car's driver could recover from your liability. Collision protects your own car from damage. If you have only liability in the present case, your insurance will not pay for your totaled car. Conversely, if you have collision, it is likely covered. In order to recoup the cost for your 2001 Jeep if you do not have collision, you need to collect it from the uninsured driver, either by asking him (and hoping he is a decent human being) or by suing him for the moneys owed.
What else can I help you with?
You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?
Its your fault
What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?
They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.
What happens if the driver who is not at fault for an accident does not have insurance in California?
Typically, the uninsured driver will be cited for it, and your insurance co. is liable for the damages.
Will insurance cover your damages from an accident if an unlicensed uninsured driver was in an accident on private property?
It is highly unlikely.
How is one protected under car owners insurance when one drives and is in an accident with a party that does not have insurance?
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
What happens if there is an autombile accident with a motorcycle and you have insurance but the other motorcyclist does not have a license or registration?
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
What happens when you have a car accident with a driver that has no vehicle insurance?
I hope you had insurance for this. The uninsured motorist will probably be broke
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
If you had an accident that was your fault you have uninsured motorist coverage the other driver was uninsured do you have to pay all the costs?
The at fault driver is responsible regardless of who has or does not have insurance. You were at fault, you get the bill. Fortunately though you have insurance. So they get the bill.
Does uninsured motorist insurance pay if you hit a deer?
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 both drivers in an accident are uninsured does it matter who was at fault?
Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.
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.
