It is the liability portion of your auto policy that pays for the harm to another vehicle that you hit. There is no deductible to fix the other car.
If you have comprehensive but not total coverage and an unknown object hits your car while in a parking lot will the insurance pay for the harm?
No. Sorry, it will be an “out of pocket” expense for you. Yes it will. Just discussed this with my agent. Collision covers your vehicle harm if you hit something else and Comprehensive covers harm if someone (or something) hits you.
If a vehicle has ‘utter coverage’ and is stolen how much will the insurance company pay out?
if it is recovered and repairable they will pay to repair less your comp deductible, if not recovered they will pay the actual cash value of the vehicle less your comp deduct, also sales tax (or credit) title/licensing fees etc……
If you have total coverage and your vehicle get stolen and the insurance would pay the blue book value do you have to pay for the rest of the loan?
You are responsible for the difference in what the car is worth,(Insurance Payment) and the balance of the loan. Insist the insurance pay you the NADA retail value of the car, not the Blue Book value.
Does your insurance pay for damages to your car if you have utter coverage and someone living with you who had no drivers license took your car and wrecked it?
Probably not, most insurance companieshold the possessor of a vehicle responsible for keeping the vehicle secured. Meaning even if the unlicensed driver took the vehicle w/o permission, the holder should have made certain that such an event could not have occurred.
Who pays for damages and repairs and deductibles in an auto accident?
There are many scenerios to this one. It could be one person’s fault or both parties faults and thus, if both parties were to blame their own insurance companies would deal with it. If it was the fault of the other person, then they are responsible for paying out repairs to the other vehicle or any bodily injuries.
What is total coverage Auto insurance?
Total coverage auto insurance is a policy which covers very first party and third party injury to the bod or harm to car. It covers physical damages to the car if it has been leased at the time of accident, death or physical injury to the figure of people involved in the accident, also property damages caused by the insured person’s car to someone’s property,
Can you have utter coverage insurance on a salvage vehicle?
Yes, but reminisce it’s only worth 60% of a comparable clean titled car so make sure it’s worth buying collision and not just liability/comprehensive.
What is the difference inbetween minimum and total coverage with auto insurance?
Minimum coverage is the minimum amount of insurance required by law. Total coverage is the total package from the insurer, insuring everything they suggest to cover.
In the state of Texas can the lender repo your vehicle if your auto insurance lasped for Four months you was told you had to pay total insurance coverage or vehicle will be repoed can they?
Yes they can repo if they catch the insurance lapse. Most financed vehicles have a Total Coverage clause that you signed and agreed to when you contracted to finance the vehicle.
Will your total coverage auto insurance pay for your car if you where drinking and driving and had an accident?
They’re pretty much obligated to do so, but recognize that you will most likely be dropped from coverage as soon as they detect the DUI on your record.
Does an automobile with a lien holder have to have total auto insurance coverage?
Obviously all cars/drivers need to have some legal minimum insurance, generally only liability (essentially protecting others assets/property). Not collision, which protects your own property. Without the later, wreck it you lose it..
Because a car has a lien, which means it is pledged as security for a loan, does NOT mean it needs to have more insurance in itself. .
However, virtually any lender will require you to have insurance adequate to cover the loss of the asset you have pledged…since if you wreck it he doesn’t want to own, or attempt to collect what is owed, against a wrecked worthless car.
In a Utter Coverage Vehicle insurance policy what is the collision coverage?
The collision coverage specifically covers the repairs to your vehicle, regardless of fault..
If you are at fault for example, your car would be repaired, but you would be responsible for the deductible cost..
If you were NOT at fault, your repairs would be covered fully, and at no extra cost of the deductible..
A means of protecting your auto from harm stemming from an accident inbetween the insured and another vehicle and/or object. .
If an unlicensed driver has an accident driving your car and you have utter coverage auto insurance will it pay for damages?
Yes, but the rates will most likely go up. Loaning a vehicle to an unlicenced driver is risky behavior that insurance companies don’t generallly like.
What is a total coverage auto insurance?
Their is no such thing as utter coverage in legal terms. What people refer to when they say that is Physical Harm Coverage for a vehicle. What physical harm coverage violates down into Two parts. Collision Coverage: Does include a deductible, covers the vehicle from harm resulting in a person being at-fault in an accident, and harm has occurred to the vehicle in which it has to be repaired or substituted. This does also protect the vehicle if an accident or harm results from a uninsured motorists or under insured motoristsComprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Reminisce, insurance company’s insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.
If you have utter coverage insurance does it cover you on any vehicle you drive?
Generally yes, you are covered for any car you are legally driving. The one exception that comes to mind is if you steal a car and wreck it.
Would one be required to pay off a note on a stolen vehicle when they had total coverage insurance as well as Gap coverage?
this question has dual legalities each reasonable in it’s jurisdiction. Firstly, the act of vehicle misuse by the act of theft is not covered by any insurance clause i.e, non gave permission for the vehicle to be misused. It only gave protection for remuneration/indemnification should the vehicle is stolen to the possessor or to a third party on the event of an accident . secondly, ways of discouraging theft acts is enterly an issue for the police pursuant to the local laws and has nothing to do with insurance cover policy. However, note that these answers are only for situations where the vehicle possessor is not the thief but another caught by the police and is being cahrged to pay a bill or two. As for the possessor of the vehicle, who as at the time of recovery of vehicle must have pre-reported it’s theft to the police and obtained a statement which is forwarded to the insurance rock-hard. where this is the case then, there is not need to be surcharged for the stolen vehicle now recovered. since it is assumed a utter premium has been paid for the policy cover against such event occurring.( You may take out the insurance policy document( proposal form ) for that risk cover and re-read the little prints again to be more sure of your rights against such surcharge. -lawstudent-
Can you get total coverage auto insurance for a totaled car?
Has the vehicle been repaired and tested and title cleaned up? If so no problem, if not I suppose you can if the company you are requesting ins. from doesn’t do their homework. But I promise you should you have another loss, this will resurface.
Utter coverage auto insurance?
“Utter coverage” doesn’t actually exist-but there are lots of auto insurance options you can choose from to help you feel well protected. When people say total coverage it usually means that they have a combination of insurance types that result in you being covered in almost every situation. This could include liability insurance, comprehensive insurance, uninsured motorist insurance, bodily injury protection and many others.
How long do I need utter insurance coverage on a financed vehicle?
In California, anyway, you need total insurance coverage on a car the entire time it is financed. After its paid off, you can drop a bunch of the coverage and just carry liability.
If I drive my vehicle delivering pizzas and have a wreck does my insurance company have to pay if it was my fault and you have utter coverage?
Usually whom ever is at fault for the accident their insurance has to pay..
If you are at fault your insurance has to pay and the pizza business would pick up the rest.
What happens when the insured party at fault does not have enough property harm coverage to pay for damages to the other insured parties vehicle?
The person who possesses the vehicle that you hit will very likely take you to petite claims court for the difference. You will be given a payment schedule and time to pay. If you default on payment then that person can put a lien on your property.
When would you not carry total coverage auto insurance?
If you own a car outright and have paid off loans used to buy it, you are no longer required to have utter coverage insurance for it. At this point, it a individual choice. If your car has worth that you cannot afford to lose in the case of an at-fault collision or theft. On the other forearm, if the vehicle is older or not worth so much, it may not be worth it to pay for utter coverage insurance.
Does utter coverage auto insurance pay off a lien?
The insurer is required to compensate you at Fair Market Vallue. This usually will pay off any remaining financed note unless you greatly overpaid for your vehicle. There are times when you can owe more on the vehicle than an insurer is willing to pay. Naked in mind that it is not the fault of the Insurer if a consumer makes a vehicle purchase agreement in an amount greater than the actual vehicle value.
If you take your vehicle to a assets shop that charges more for labor rate than what insurance is willing to pay and you have total coverage on vehicle how do you get your insurance to pay up?
No Insurer is required to pay unreasonable rates for repair. Insurers know what the average cost is for various vehicle repairs. There is a high end and a low end. This is why you should always get an estimate of the repair costs very first and have the repair shop contact your insurer before you authorize the repairs.
When a lump of concrete comes up out of the road and damages your vehicle will I have to pay the deductible if I have total coverage?
Yes, you will have to pay your deducible. Unless the harm is simply a cracked windshield – if that is the case you may have a zero liability glass policy.
If you got a no insurance ticket in a car you drove that is not insured but you have utter coverage on another vehicle?
No proof of insurance on the vehicle. Just because you have one car with insurance does not mean that you are covered on any vehicle that you drive. Your best bet is to add the vehicle to your policy, go to court, display them you now have proof of insurance, and you should be okay then.
If I have utter coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?
Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.
What if your teenage daughter just totaled your vehicle you owe 6500 Are you going to be able to get another vehicle with total coverage insurance?
Everyinsurerhas the right to establish its ownunderwritingcriteria andratestructure, but you should be able to find insurance somewhere. If you are have trouble finding a company that is willing to write you a policy, check with a localindependent agentorbroker . They have the authority to write business on behalf of several different companies and may be able to place you somewhere more quickly. You may also have the option of obtaining a policy thatexcludesyour daughter. If you do that, she would not be permitted to drive the car and you would have no coverage if she did so.
Does utter coverage insurance cover damages to the other persons vehicle if you are at fault in a no fault state?
In this state, a no fault state, utter coverage insurance covers the other vehicle if you are at fault.
Does an auto insurance company have to pay for a deaf interpreter to find a fresh vehicle after yours has been totaled?
What. Why would you think this is required? An insurance companywill not find you a fresh vehicle is your is totaled, they will payyou the actual cash value of the vehicle you had.
What is total coverage auto insurance in the state of FL?
Some people use the term “total coverage” to imply that the car is covered for comprehensive and collision coverages.
Do you have to have utter coverage auto insurance?
No, “total coverage” auto insurance is not required by law. All states require some level of car insurance that covers costs if you are responsible for an accident. That would be called liability insurance and the state minimum coverages dictate how much of it you need to buy. That said, “utter coverage” does not actually exist and the phrase generally refers to buying a combination of several insurance types to ensure the most protection.
Does a utter coverage auto insurance in CA cover a totaled car in another state?
It depends on the company and policy. Some will deny it for “operating out of territory”. Others will cover it and then non-renew the policy for “operating out of territory”. There is no way to say for sure as it varies so much from company to company.
Do you have to pay to transfer your auto insurance to another vehicle?
No, this is an effortless process. You will just substitute the old vehicle with the fresh vehicle. The vehicle may cost more to insure, I would check with your agent to make sure.
Does the insurance company have to pay for a rental vehicle for a client until their vehicle is immobile if they have total coverage insurance?
Rental car coverage is an add-on, check your policy to see if you are covered – if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
Can you pursue another policyholder’s auto insurance company for harm to your property when you have only liability coverage?
Most states require that you sue the other party (possessor and/or driver), rather than their insurer directly. Further, you can pursue the other party(ies) only if the other driver was negligent. This means that he/she was careless in the operation of the other vehicle. The negligence determination is made by evaluating whether a hypothetical “reasonable person” would have operated the vehicle in a similar way under similar circumstances. If you get the other driver/holder’s insurance information after the collision, you are free to contact the insurer to assert a claim.
If you are at fault in an auto accident do you have to pay the other persons deductible and my vehicle had already been bruised?
No. They are responsible for their own deductible. Because, when my van got hit, which was parked, I had to pay my deductible before the insurance company would cover it!
Is utter coverage auto insurance required for auto financing?
Yes, utter coverage auto insurance is required for auto financing. This rule protects the bank if you have an accident.
Will your utter coverage insurance still pay for the value of your vehicle even if the driver got an owi or was tipsy?
Yes, your policy will still pay as it should have reguardless of you being intoxicated or not while driving. If you are insured with a preferred company I can pretty much guaranty that you will receive a non-renewal notice and your insurance will be cancelled after that. You will also find it tighter to purchase affordable insurance from then on as your better more preferred insurance companies will not be interested in your insurance account.
Does your auto insurance pay if you vandalize a vehicle?
If you are asking whether your own insurer will pay damages to the possessor of a vehicle that you vandalize, the response is No. This is because insurance does not provide benefits for intentional acts. Instead, it applies to negligent (careless) acts. If you are asking whether auto insurance may pay for the repair of your car if it was vandalized by someone else, it may. An insurance called “comprehensive” coverage, that is usually sold in conjunction with collision coverage, will usually pay damages resulting from vandalism.
Does total coverage auto insurance cover auto repairs?
yes total coverage insurance covers auto repairs. It also covers maintinance and gas costs. Thats right fuktard, utter coverage insurance is the only expense you will incure while driving. In some cases they will even pay speeding tickets for you!
Is there a deductible on comprehensive coverage auto insurance?
Usually there is a deductible on comprehensive coverage auto insurance. The deductible can range in different amounts usually from 0 to $1000 or even higher if it is a very expense vehicle.
What is the average deductible for window and glass in auto insurance coverage?
The average deductible for window and glass in auto insurance coverage ranges anywhere from 0 to 500 dollars. There is no set number as all insurances have different payment schemes.
Where can one find cheap but total coverage auto insurance?
In order to find cheap but total coverage auto insurances one should very first check different direct car insurance copanies like for example “DirectGeneral” or “DirectLine” (for the UK).
Where can one apply for total auto insurance coverage in Dallas?
You’ll find a large multiplicity of auto insurance sellers in Dallas, Texas. Nationwide companies like Allstate and State Farm have offices here, as well as smaller companies like Amador and Acom. Shop around to determine which auto insurer is right for you, your vehicle, and your family.
What is utter coverage auto insurance requirements in California?
When a vehicle is financed, you must have comprehensive, collision, and liability or ‘total coverage’ to protect the bank. I am not sure what you mean by ‘requirements’ other than that. You can also buy “GAP” insurance, for if something happened and your car is totaled and you owe more that it is worth, the GAP will make will make up the difference
Where can one buy total coverage auto insurance?
Total coverage auto insurance will be available from all the major insurance firms. Allstate, State Farm, Geico, and Progressive all suggest it. Utter coverage is more expensive.
What companies suggest utter coverage auto insurance?
Total coverage auto insurance is suggested by companies like Nationwide, Cars Direct, AXA Insurance, Fresh York Motor Insurance and AAMI. These companies also have insurance services for other products.
Does your utter coverage auto insurance cover vehicle in tow as well?
The vehicle being towed has to have physical harm coverage itself in order to be covered for harm. A vehicle towing another vehicle does transfer the liability insurance to the trailer or object it is legally towing but the physical harm done to the object being towed does not transfer.
If i have a 750 deductible but i have total coverage auto insurance?
You will be covered for just about anything but still asked fordeducible usually if you are at fault