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What do you do if you have an accident and don't have insurance?
you will have to pay for the damage and/or the injury costs of whoever was involved (including yourself)
If a child rides his bike into my car do the parents pay the damage costs?
if your car was parked and it wasn't an accident in traffic, yes, the parents of the minor have to pay for your car if you don't have an insurance that would cover that.
What are the advantages of public indemnity insurance?
Public indemnity insurance covers you for any damage or legal issues attributed to you, to a member of the public. For example, this can cover legal costs in the case of an accident.
What benefits are available in an accident and sickness insurance policy?
An accident and sickness insurance policy offers benefits in case of accident and sickness. That means that one is entitled to reimbursements for hospital costs and other medical costs in case of accident and sickness.
If in a low impact at fault accident and you have no insurance and there is no police report or proof of any damage can uninsured driver be charged excessive repair costs?
sadly yes
When does auto insurance cover the cost of a lawsuit?
If you are sued in relation to an auto accident, the insurance company will pay for your defense as well as the damages up to the limit of your coverage. The defense costs are in addition to your damage limit.
What is a auto insurance?
Auto insurance is a kind of insurance that helps you cover the costs resulting from a car accident or auto problem. Every state in the U.S. requires drivers to carry at least some auto insurance, although the exact amount varies by state. There are two basic kinds of auto insurance: insurance that covers first party damage (which is damage to your car or injuries to people in your car) and insurance that covers third party damage (i.e., damage or injuries to another driver's car or passengers, or any property you damage in an accident which doesn't belong to you.) Most insurance policies contain both of these types of coverage.
What Physical Damage is usually covered with Auto insurance?
Damage to both people and property are covered by auto insurance. Aside from protecting the insured against the claims of others (for bodily harm or property damage, for example), auto insurance typically helps pay for medical expenses needed by the insured or other person involved in the accident AND it covers costs leading to loss or damage of the automobile stated in the insurance.
What does TV insurance protect?
TV insurance protects one's television in case of any damage caused by things like weather. If a hurricane were to damage one's TV, an insurance company would cover the replacement costs.
What is no fault auto insurance?
In any state where no-fault auto insurance is required by law, you recover the cost of damage to your auto and to its occupants from your own insurance company. There is no need to prove who was at fault in the accident. For example, if two cars crash each other, each goes to its own insurance company to be reimbursed for the physical damage and medical costs which result.
If an unisured driver has an accident in your car will your insurance still cover it?
Probably. When you purchase insurance, you are insuring the car. If you drive someone else's car and have an accident, their insurance should cover the costs (but their insurance *may* sue your insurance company for compensation/reimbursement.)
What can you do if your insurance is cancelled the same day you get in an accident and total your car?
Depends on when it was cancelled. Before or after the accident? When did you get the cancellation notice? If you were cancelled before, then obviously you were uninsured. If the accident was your fault, then any costs are yours alone and not the insurance company's.
