Wrong. Collision with an animal is considered a comprehensive loss. Collision with an animal is considered an exception to the definition of collision.
How old does a car have to be before collision-comprehensive insurance is no longer necessary?
I believe it can be brand fresh, but you can’t have a loan on it.
Will comprehensive cover the damages to your car from hitting a deer?
If you hit a deer, that’s a collision and is paid out from your Collision coverage. Comprehensive is for Physical harm done to your car, such as a tree falling on it, theft, vandalism and fire. Yes, the comprehensive portion of your auto policy covers collision with an animal, such as a deer. It would be subject to your deductible. https://www.iii.org/individuals/auto/a/basic/ Actually it’s covered out of comprehensive coverage and in most cases your rates will not go up. Comprehensive covers acts of nature including colliding with an animal
Does collision insurance cover hitting a dead deer in the road?
We hit a dead deer once and then at another time a deer ran into the side of our van. Our insurance covered the harm but our deductable still applied. However, it was not a ‘charged’ accident and it did not affect our rates…Different company than this one but it appeared as this was the industry policy…. Hope this helps……. It would be unusual for someone to have collision coverage without comprehensive coverage and one or the other would apply depending on the exact wording of the policy.
If you loan your car to someone with a suspended license and they have an accident in your car would anything be covered?
No, if their license was suspended they should not be driving, if they are involved in an accident and are at fault the other person can go after you since it is your car and then you are liable.
Is it covered under comprehensive or collision when your vehicle is parked unoccupied at a restaurant and you do not know who hit you?
Unless it was an animal that ran into your car it would be Collision coverage that would apply.
When should you drop Collision and Comprehensive on an older car?
When the value is so low that it costs less to substitute it, than pay for the extra insurance and harm if you are in an accident. For example: A Nissan Sentra 1987 is not worth insuring, you can get another one in good condition for less than $1000 if you wreck it.
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)
Do car insurance premiums increase after a comprehensive claim for hitting a deer?
Generally YES, they do increase, being that there is no “third party” so-to-speak in which the insurer can subrograte against. .
I say no, it is a comp claim and doesn’t count against the driver. If the driver was cited for the incident, then they would go up.
If you are at a shopping mall and a cart rolls over and damages your car is it covered under collision or comprehensive?
It’s most likely covered, but you have to recall your deductable. Your deductable is most likely higher than your cost of repair would be.
Does car insurance cover you if a deer hits you?
Reaction it will if you have utter accident insurance Response 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.
When you are not at fault for an accident does the insurance company owe for collision insurance that I buy on the rental car?
“No” , not in most cases. I am assuming for the sake of answering your question that the facts are similar to this; you were in an accident you were not at fault the other company has accepted liablity for the loss, and put you in a rental while your vehicle is being repaired you only had liablity coverage on your vehicle (the one in the shop). But of course need collision and comprehensive on the rental you are now using. They do not owe to pay for this coverage for you (subject to any state laws to the contrary, you could call your states dept of ins. for that response, but I know of no states that require this). The presumption is, you didn’t think it was necessary to cover your own vehicle for coll and comp so why would they pay for it on the rental? I know your vehicle was older, this one is fresh, etc. I totally understand, but I have seenvery fewof these where the ‘at fault’ company will provide this coverage, you can of course buy/pay for a harm waiver for this rental with the rental car company, or contact your agent, and ask if there is anything they can do about a ‘brief term’ collision and comp coverage for this rental (but again I doubt this too)…..sorry, If I can be of any further assistance please let me know more details and I will do my best to help.
If my bf was driving my car with his learners permit but I have PLBD insurance on my car would he be covered if we were in an accident?
Contact your agent or policy services dept for your carrier, they will be able to advise you.
Will auto comprehensive cover harm to car caused by tire tread separation?
i would like a little more information here….are you telling that your tire separated, then your vehicle (due to the tire separation) was involved in an accident? if that is the question, would more than likely be under the collision coverage of your policy dependant upon what you hit rather than the comp coverage….also would typcially cover the insueing harm not the tire…in other words, the tire wouldn’t be covered, but rest of harm after the tire would be …..if you have a decent claims department they should investigate the tire for defects and possibly ‘subrogate’ the tire manufactor
If you back into one of your other vehicles in your driveway does your collision or comprehensive covers the harm to the vehicle that was hit?
will not be comp ( everthat i can imagine), these losses are covered under the collision coverage of your policy.
Would comprehensive insurance cover getting a rental car while your vehicle is broke down?
No, you would have needed to purchase rental car, or rental reimbursement coverage, unless this was a theft, in which case some policies provide rental car under comp coverage for total vehicle thefts.
You and your mother are under the same insurance policy. however your mother hits your car by accident. would reporting the accident increase your mothers insurance would you be covered?
Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.
If you have an accident because of icy road conditions does your comprehensive insurance cover this?
The definitive response is “maybe”. Most coverage of accidents is dependent on fault. If you were traveling at too high a rate of speed or made a dangerous act that caused the accident, depending on the specifics of your policy the amount of coverage may be less than total or non-existent.
Does comprehensive insurance cover harm done to a car if the car hits or is hit by an animal?
Comprehensive coverage protects you against damages to your carthat are the result of covered issues not related to a collision,such as an animal. Some insurance companies do not cover damagesdue to animals.
Does fully comprehensive insurance cover you third party for another car?
It may do. You will need to read your certificate of insurance and your policy. The usual wording if it does is: The policyholder may also drive any car not wielded by the policyholder and not hired by the policyholder under a hire purchase agreement. However such a clause could also show up on a TPFT or TPO certificate. The cover will almost certainly be restricted to TPO in any case- see your policy.
Will comprehensive insurance cover harm to my parked car?
Usually, yes. Check your policy for details, but comp usually covers any kind of harm (subject to a deductible, of course) that occurs when NOT related to a moving accident – if a tree falls on your car, or it’s violated into , or something like that. It covers a lot of stuff, which is why they call it ‘comprehensive’….
Does comprehensive insurance cover individual effects lost in collision?
No, comprehensive insurance only covers harm to your car.Homeowners or renters insurance usually pays for private effectslost as a result of a vehicle accident.
What would you do if you see a car accident?
In this order, .
Suggest whatever very first aid assistance I can to those who are injured. .
Inform the emergency services, if no-one else has done so. .
Take note of car registrations and name of those involved. .
Await the arrival of the emergency services and tell them what I witnessed.
If you have an accident caused by black ice and you are not at fault is this covered under comprehensive insurance?
Weather generally can not cause an accident. A driver going too swift for conditions often times causes and accident. Drivers are required to maintain control of their vehicle at all times. This is an “at fault” accident and the harm to your vehicle is only covered by collisions coverage..
The same thing applies to hydro-planing, hitting something or someone in dense fog or strenuous rain and or snow too..
Some possible exceptions could be a high profile vehicle that is sucked over from a strong gust of wind or if lightning struck a moving vehicle and caused the engine to abandon causing the power braking and steering systems to fail.
If you hit a pole you did not see while backing out of a parking space what part of your insurance would cover your car comprehensive or collision and how will it effect your insurance rates?
Comprehensive and your rates will increase. After all, you are a danger to invisible poles everywhere.
How many collisions are there in a car accident?
Safety researchers state there are three collisions in a motor vehicle crash. This would be the vehicle striking an object as the very first, the 2nd would be the occupants hitting the interior or exterior of the vehicle, and the third would be the internal organs of the occupants striking the internal structure of the bod.
What is the average amount of car accidents due to deer?
1.Five million automobiles are involved in collisions with deer each year and have caused 150 deaths and $1.1 billion in damages.
If you have caused an accident which type of automobile insurance would cover harm to your own car?
The collision portion of your Auto Insurance Policy would pay for damages to your own auto when you are the at fault party. The liability portion of your auto insurance pays for damages you cause to another party.
Will your car insurance cover your daughter if she has an accident?
Car insurance is designed to cover your vehicle should you need to permit someone to use it. There may be some difficulties with coverage if it is being primarily driven by someone who isn’t rated on the policy.
How many deer are killed in car accidents each year?
There were 1.Five million collisions with deer in 2009. It is estimated that the vast majority of the deer were fatally injured.
When a car is hit in a parking lot is it a comprehensive or collision claim?
Collision generally covers you in collisions with other cars or property; comprehensive generally covers you in accidents that don’t involve other cars, such as animal hits, weather-related losses, and theft or vandalism. So you are covered under collision coverage !
How old do you have to be to get comprehensive car insurance that covers you to drive other peoples cars?
As long as you are old enough to legally drive you may get any coverage you wish. However not all insurance companies suggest this coverage..
One more thing… this coverage you are asking about is referred to as permissive use.
Does fully comprehensive car insurance cover you on another car?
Yes as third party fire & theft.. and the other car has to be insured by some in its own right by someone else..
I am covered on my mothers auto insurance she has comprehensive if i drive someone elses car and get into an accident will i be covered?
you are covered ONLY if the proprietor of the car you are driving is insured for occasional drivers. Your mother’s insurance has nothing to with another ‘s person’s car that you have borrowed.
If you get hit by a deer and only have liability coverage would your car be covered?
No. Liability coverage takes care of any costs or harm you may do to other people and property during the course of driving, including both bodily injury to others and property harm. Collision insurance covers harm to your car when your car hits or is hit by another object, while comprehensive insurance covers losses resulting from incidents other than collision – floods, harm caused by outward compels, and so on.
If a friend drives your car and is charged with DUI and gets in an accident does your collision coverage cover the damages?
depends on your and his insurance, generally insurance goes after the driver not the car. so your insurance shouldn’t care, their insurance should pay for everything. If they don’t have insurance, then your uninsured motorist might cover it. It depends entirely on your company, but if your company pays then your premiums will go up. The person they hit should have insurance that may cover it. I see no reason why your insurance should be involved.
Does my USAA auto deductible collision and or comprehensive policy cover damages from someones pushing my car with her car with my permission?
Idiot! Why do you think I asked the question? Do you think I would have spent the last three hours attempting to have you & your totally incompetent staff provide an response locally or beyond for me, had I had known the response? Refer yourself(ves) to the nearest mental institution or brain transplant hospital! BUT 1ST Reaction THE QUESTION! or refer it outside for an reaction.
If someone throws a rock at and damages your car is this covered by comprehensive or collision insurance?
Neither. A rock hitting you’re car is a minor harm and isn’t treated by insurance companies. If a grown person does it you could file vandalism and request the money for repairs. If it is a minor, 4-12, the harm stays and you truly can’t do much about it.
Why would windows be covered at a car accident scene?
The only reason the windows would be covered is to keep people from watching the persons in the car. Alive or dead.
What if your legally parked car is hit but it is not covered by collision?
You have to hope the fellow who hit it suggest up his liability coverage. You might consider broader Auto Insurance Coverage in the future when you can afford it.
What if you were in a car accident and it was not your fault but you had no collision?
If the police report says the other driver was at fault, attempt to recover from his or her insurance company. If you don’t have collision coverage, you can’t collect from your insurance company.
Would hitting a mailbox be considered comprehensive or collision?
I would guess if the mailbox fell over while you were passing by, and it hit your vehicle, then it would be considered comprehensive. Now if you just drove into the mailbox, that would be considered collision.
Is hitting a dear comprehensive or collision?
Animal CollisionIf your vehicle “collides” with an animal it will be covered under the “collision” portion of your Auto Insurance Policy. Response from a General Insurance AgentReactioncomprehensive
Is backing up into a telephone pole is it covered under comprehensive or collision coverage?
This will be covered under the collision portion of your Auto Insurance policy. You collided with a telephone pole. Hence, Collision coverage would invoke.
What is the difference inbetween comprehensive and collision car insurance?
If you don’t opt for this cover, then when a calamity does strike,you will end up paying from your pocket. for More
Will your comprehensive auto insurance cover your car if you were not at fault in the accident but other drivers insurance denies claim?
Let your insurance company/agent treat the claim–they will collect from the other insurance if there is a valid claim. You’ll need a police report.
Who at fault on head on collision car accident?
In all crashes there is an underlying cause or driving error. The person who made the error and presumably broke the law is at fault. In virtually all head on crashes some one is on the wrong side of the road, from there we need to know why, if they justed oopsed, the person on the wrong side is at fault. If there was another crash that compelled the car into the wrong lane caused by a third car the third car would be at fault for the entire mess. And so on.
What happens if your car gets totaled by another driver in collision accident?
You get the Traffic Collision Report. You find out who was at fault. You get the other driver’s insurance information. You file a claim with his insurance company. Using an attorney to represent you helps to avoid you suffering through the process yourself.
Does Comprehensive covers if you hit your other car on the driveway?
This would be covered under collision coverage. I would hope that the insurance company would only count it as oneaccident and would only charge you one deductible. .
Will your car be covered for repairs if you didnt get into an accident?
Auto insurance only covers unexpected and accidental damages to your vehicle. Wear and rip would not be considered unexpected and accidental.Tho’ with all things insurance, it is always best to speak with your insurance company directly to find out if a certain item is covered or not.
Can you claim for a car accident injury for swerving to miss a deer?
Yes you can. Even however your the one that swerved & caused the wreck your also the one that was attempting to avoid the accident & hurting something. Which then caused your wreck. So if you hadn’t swerved to miss the deer you would have hit the deer & been in a wreck anyway, plus you would have hurt the deer. So your wreck was unpreventable, it was going to happen no matter what. Yes you can claim it, because you were actually attempting to avoid an accident. Hope my response helped. Good Luck! .