Does liability auto insurance cover your car if you hit a pole?
No. Liability insurance will only cover your liability for property harm/injuries to others. In this case, it would cover the harm to the pole you hit. Your liability coverage will never cover harm to anything you own. You would need collision/comprehensive coverage to cover harm to your car.
Is auto theft covered by liability insurance in Colorado?
No. Liability insurance covers harm you do to someone else’s property. Theft would be covered by comprehensive insurance. In most jurisdictions, liability insurance is required but comprehensive is not.
Will liability insurance cover you if you hit a deer?
Deer Collision No. Liability insurance is triggered when you areat-fault for an accident. It’s used to pay for the harm you causeto someone else’s property, not your own. A deer hit would fall under comprehensive coverage, and isn’tconsidered an at-fault loss. In some states, collisions withwildlife are covered by the state. Check with your insurance agent.
If you only have liability insurance and hit a pole during a snow storm will the insurance company pay to fix your car?
NO. This is considered weather related and at-fault. Sorry. I’m a broker and I have to tell ppl all the time!
If a passenger in your parked car opened the door and hit another stationary car and dinged it can his auto insurance cover the harm if he is willing to make the claim with his insurance?
It depends what kind of coverage the holder has. I believe the type he would need is liability coverage (some companies may call it property harm liability), which would cover the harm to the other person’s car. You may want to check how much the harm will cost. If its less than your deductable then its not worth making a claim. Even if it is a bit higher than your deductable you may want to look into how much your insurance costs will rise by making a claim. Hope this helps.
Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?
It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only “legal minimum”. And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. There may also be an issue if the passenger is a member of your household. #Two answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. .
In the UK – the response is plain. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled “car accidents caused by family members” to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.
Does comprehensive coverage for auto insurance cover a hit and run of your parked car?
yes it does but you will be claiming off your own insurance and may liberate your no claims discount if you have one..
Yes it can be used but the deductible WILL apply, and your rates may increase if you put in a claim. (as unfair as that may sound)
Who would cover your sons injuries sustained in car accident while driving in NY state with AL liability only auto insurance?
Liability is only to cover the other person. You might have to pay out of pocket for your son.
Can a co-signer take possession of a car if the primary borrower does not have auto liability insurance in Texas but the lender has taken out insurance to cover the car?
Yes, They can because that means that the primary borrower hasfailed to meet the requirements of the lender by maintainingcoverage on the car. You are already in Default and subject toRepossession by not having the vehicle insured. This failure alsoincreases the risk to the cosigner who is a guarantor on the note.If they determine to Repossess the vehicle and call in the note, yourcosigner can be sued and will be held jointly and separately liablefor the entirety of original note he cosigned as well as any newcharges that have been added due to the primary borrowers breech ofcontract. .
A co signer can take charge of the car if the person theycosigned for is not able or does not do what they agreed to. When afinancial institution takes out insurance on the car it is tosolely keep the institution from being sued, it is not to fix orcover the borrower in anyway, but the borrower will have to pay forthe insurance that the financial institution takes out, theyusually put it onto the end of the note. Best to keep insurance onthe car.
Does car insurance cover you if a deer hits you?
Response it will if you have total accident insurance Reaction only ifyou have total coverage. Actually, it depends on whether or not the deer was in a pedestriancrosswalk. If it was, then your insurance will cover you as stated.However, if the deer was not in a crosswalk, then the deer’sinsurance will be liable.
How could I find the auto-insurance of a car that hit your car?
You would need to ask the possessor of the car. You should be able to get the proprietor’s information either from the accident scene or from the police report. But they are not required to provide it to you. In the worst case script, you would need to go to court to attempt to get that information and even if you win a judgement against them, you still may not get that information…..but you would have already won an order telling the other driver that he owes you money. Whether he wants to pay you on his own or file an insurance claim is totally up to him.
If you have liability insurance are you covered no matter what car you drive?
It depends. Some insurance policies go from car to car while others are car specific. In most cases it’s the latter, so check with your insurance carrier.
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage linked to it. Therefore, their insurance should pay any medical bills you may be charged for.
Does liability insurance cover someone stealing your car?
No, but it might cover someone stealing your car and using it to hurt someone, especially if you negligently permitted the theft. “Liability”, in this sense, means ,”liable for damages if you are sued.” Theft of and harm to the car itself come under a different type of coverage.
Does liability insurance cover insurers car if other driver is uninsured?
No, liability insurance only covers the other vehicle if you are at fault for an accident. Coverage for your own car if the other driver is uninsured would come from one of two places: -your collision coverage, this would be the case regardless of if you or the other driver is at fault -your uninsured motorist coverage. This would be the case if the other driver is at fault. This is usually a separate part of the policy, and may or may not be included automatically in your policy depending on the state. I would suggest you either check you policy coverage, talk with your insurance agent or talk with your insurance company.
Does the car Insurance cover it when a rock hits the car windsheld?
Yes … Some insureds have total glass coverage, others may have a deductible to sate before the insurance pays.
Does liability insurance cover your car if you are at fault?
Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have “liability only” coverage, then their is no coveragefor your own vehicle if you were at fault.
I do not own a car i need liability insurance to cover me?
I would get what is refered to as a “non-owners” policy quote through AIG at http://www.anrdoezrs.net/click-3014621-10530103 or possiblily through Geico at: http://www.jdoqocy.com/click-3014621-10462725 I believe that bot companies suggest this type of policy.
What does auto liability insurance cover?
Auto liability insurance is specifically designed to cover any harm caused to other vehicles if you have an accident. It does not cover reapirs to your own vehicle. It is by law the minimum requirement for insurance in every state.
Does your auto insurance cover you when you rent a car?
There are so many different policys that it’s unlikely to response. Only your insurance company will be able to response this question. Be sure to ask what they do/dont cover so you will know in advance.
How do you buy a non holder auto liability insurance if you do not own a car but you are renting a car?
You can purchase it for a daily fee at the car rental agency you rent from.
Is there an auto insurance that covers a person not the car?
yes you can take third party insurance cover for you & your car. where the premium is very less…which will not cover your car harm , fire & theft.
Does homeowners insurance cover auto harm to non-owners vehicle your property by someone hitting a pole?
Of course NOT. .
Homeowners Insurance does not cover auto accidents. That’s what Auto Insurance is for.
Will insurance pay if you hit a pole and harm your car?
Yes; as long as you have collision coverage for your vehicle. You will only be out of pocket for your deductible.
Does liability insurance cover a stolen car?
Liability Insurance and the Stolen VehicleNo, Liability Insurance provides coverage for damages or injuriesthat we cause to others. It does not provide coverage for our ownvehicle damages or theft.
What do I do if I have no auto insurance and someone hit my car?
If the person who hit your car is the cause of the accident, then it doesn’t matter if you have insurance, since the other driver’s insurance company is obligated to pay for the harm (assuming that you can prove your case). If the case the way around then the case might be a big problem. Never hesitate to get insured. It is in the mind of people telling they’re costly. Think of it hitting others car.
If you only have liability insurance and someone hits your car and leaves should your insurance cover the damages done to your car?
No. Physical Harm coverage to your own vehicle would be covered in this example if you purchased the coverage, but liability only would not repair the damages.
What happens if you get hit by a car who isn’t insured and you only have liability?
Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property harm coverage on your policy. They only way you can recover is to take the person to court and get a judgement.
If someone who has auto liability insurance borrows your car and wrecks it, would your vehicle loss be covered?
Generally speaking, the private auto liability coverage goes after the car, not the driver. The driver had your permission which in legal terms, means you agree and accept there may be consequences.
You have liability insurance but no collision coverage and your car was hit by another driver will their insurance cover your damages?
Yes, if they accept liability and they will pay up to the limit of property harm coverage.
What does liability auto insurance cover?
Damages to other’s vehicles, property, or persons in an accidentwhere you were foundat fault . In “no fault states” eachperson’s policy covers the other’s damages without requiringdetermination of fault.
Are passengers in your car covered by your bodily injury liability insurance?
passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance
If a car hits a pole on your property does your homeowners insurance cover the vehicle harm?
No, That’s what Auto Insurance s for. Now if your home fell on the car it might cover it.
Does car insurance cover bodily injury liability?
It depends upon the coverage that you purchase. Normally, when you buy liability insurance, you get both property harm and bodily injury liability coverage. In fact, many states require that such insurance be maintained for the protection of others who may be injured due to your negligence. The failure to do so can result in the suspension of your license and tags under Financial Responsibility Laws. The nature of liability insurance is such that it pays damages to an harmless third party to whom you cause injury. In that sense, it protects you from individual liability up to the policy thresholds that you have bought. If you are sued as a result of the incident and fault is contested, the insurer also provides you with an attorney to defend you. The insurer pays the attorney’s fees and related court costs (such as, but not limited to, court reporter expenses).
Does auto insurance cover stolen cars?
Auto insurance will cover the theft of your vehicle if you maintain comprehensive coverage. Comprehensive coverage is generally sold in conjunction with collision coverage. However, unless there exists a lender that requires collision/comprehensive coverage, it is usually not mandated by law as it is considered “first-party” coverage (designed to protect the proprietor only). Comprehensive coverage also applies to the theft of belongings in the vehicle if they were permanently affixed to the vehicle. For example, if you have an after- market stereo system and sub-woofer that is stolen from your vehicle, it is covered under comprehensive coverage. However, if you leave your purse in the car and it is stolen, it is not covered because it is not permanently affixed to the vehicle.
Will American family liability insurance cover you if you hit a deer?
The liability will cover for most property harm that may happen. I don’t think that the deers family will sue you so that may not apply in this case. If you have coverage for the vehicle such as comprehensive and collision coverage, then it should cover your vehicle for the harm that was done, minus the deductible.
Does liability insurance cover death in a single car accident?
Liability coverage is “third-party” insurance that pays for injuries or death to another person as a result of the insured’s negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence. Therefore, if the theory of the negligence was, for example, that a landowner created a dangerous condition that proximately caused the single-car collision, the landowner’s liability insurance could arguably be triggered so as to cover the incident. If a passenger was killed in a single car collision, the driver/holder’s liability coverage may be triggered if the driver was negligent in the operation of the vehicle.
Who pays when you hit a power pole and the car is not insured?
You do. (Also, in many states it’s illegal to drive a car which is not insured. Expect a hefty fine as well as damages.)
Does your auto insurance deductible cover your car and the car that you hit in an accident?
You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.
Car age or mileage when to consider auto liability insurance?
The age of the vehicle is not a factor in liability coverage. The number of annual miles driven is a factor. This is because the risk of an accident occurring increases in proportion to the amount that the car is driven.
Who’s auto insurance company will cover car harm if you hit a deer while driving another person’s car?
In the US the insurance goes after the vehicle, therefore the owners auto insurance will cover the harm as long as they have comprehensive (Other than collision) coverage. If they don’t have coverage it comes out of someone’s pocket. Another note is that insurance companies don’t like it when you loan your vehicle to people not listed on the policy as a driver.
What does liability car insurance not cover?
Liability automobile insurance only covers harm caused by you to another party for their bodily injury and property harm caused in an accident where you were the fault. The coverage is limited by the policy and the amount of coverage purchased. For example, the insured may have 25/50/25 which means the maximum that the company will pay for damages on your behalf is $25,000 per person for bodily injury with a maximum of $50,000 per accident for bodily injury, and a maximum of $25,000 in property harm. Liability also comes in CSL or Combine Single Boundaries where you may have purchased an amount such as $100,000 per accident no matter what area it is needed to be paid.
What can you do if you have liability insurance and the car that hit you has not been found?
If all you have is liability, you will have to pay for your repairs yourself. If the hit & run driver is caught, you will very likely have to sue to get reimbursed.
Does auto insurance cover telephone pole harm or replacement?
Yes, The liability portion of your auto insurance policy will cover the damages you may do to a telephone pole in an accident.
What if you are hit by a hit and run driver and your car is totaled but you only have liability insurance?
If you have any way of finding the other driver, be it through witnesses, or other sources, then they will have to pay. If you can’t get said information, then sorry, but sounds to me like you’re out of luck.
Will liability auto insurance policy cover a person driving your car if they have an out of state drivers license or an expired license?
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that you failed to disclose, “concealed drivers” when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
Will car insurance pay if you hit a pole?
If you have the decent coverage it will pay with no problem. Your liability insurance will pay for the harm to substitute the power pole to the utility company which will request replacement costs. Your collision coverage will pay for harm to your vehicle. Loss of use coverage will pay for a rental vehicle while your vehicle is being immobilized and if not drivable, it will pay for the rental car from the time of the accident until the vehicle is immovable up to the limit, which is usually 30 days maximum. Towing and labor will pay for your vehicle to be towed from the scene to the figure shop or your home. Medical Payments coverage will pay for injuries to yourself and/or any passengers in your vehicle. Work Loss coverage will pay for your time out of work if your injuries require you to miss work up to the boundaries in the policy. There may be others if included in your policy. These coverages must be chosen by you to be included on your policy and that is if they are suggested in your State.
Can liability Insurance cover you when hit by a stolen car?
Not usually. If you are attempting to make a claim from the stolen car’s holder, you likely won’t get coverage. Most liability policies have an exclusion for ‘intentional acts’ or claims arising out of the criminal use of a vehicle, which would include if the car was stolen. But if you have uninsured motorists coverage (many states require it), then you’ll be covered anyway from your own policy and won’t need to make a claim against the holder. Also….you would likely have private liability against the thief so you could attempt to collect against that person.
Does your liability auto insurance cover you in a loaned vehicle?
No. Liability insurance goes after the vehicle so the person who wields the vehicle you are borrowing needs to make sure that they have insurance and also needs to add you as a driver on his or her policy. You also need to make sure that this is done because if you drive the vehicle and get stopped you will get the ticket for driving without insurance. If you have an accident and are not added as a driver his or her insurance company may deny the coverage for material misrepresentation and guess who will be sued by the person you hit? Both of you will be sued and both will be responsible. Insurance companies to do not like vehicles to be loaned to unknown drivers.
What does limited liability car insurance cover?
Liability insurance protects a person if he or she gets in an accident and they end up hurting someone or his or her car or property. Many state have a minimum that each person must carry. Limited liability car insurance is where a person is covered in this case, but only for a puny amount, for example, $25000.
What does the liability portion of auto insurance cover?
Caution Laymans Response! Basically Liability is to cover harm done to outher people andother peoples property.