No. The insured is responsible for paying their own deductible.
If a pedestrian is found at fault in an accident involving a car and pedestrian which insurance would pay the medical bills – the auto insurance or the pedestrian’s health insurance?
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Since Pedestrians always have the Right of Way, It is very uncommon if not unlikely to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills..
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It depends on your state’s laws, but typically — and strangely enough — you’ll find that the auto insurance will cover the pedestrian’s medical bills. On the other palm, if your state doesn’t require you to carry medical coverage (either Medpay or PIP) on your car insurance, the pedestrian might have to go to his or her health carrier..
The reasoning behind this is that, despite liability, it’s against public policy to not cover the medical bills of a pedestrian hit by an automobile. If auto insurance didn’t pick up those bills, it would have a cascade effect on all the medical providers and vendors who attended the pedestrian.
Since Pedestrians always have the Right of Way, It is very uncommon if not unlikely to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills..
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It depends on your state’s laws, but typically — and strangely enough — you’ll find that the auto insurance will cover the pedestrian’s medical bills. On the other palm, if your state doesn’t require you to carry medical coverage (either Medpay or PIP) on your car insurance, the pedestrian might have to go to his or her health carrier..
The reasoning behind this is that, despite liability, it’s against public policy to not cover the medical bills of a pedestrian hit by an automobile. If auto insurance didn’t pick up those bills, it would have a cascade effect on all the medical providers and vendors who attended the pedestrian.
If someone hits your parked car does their insurance company pay and do you still pay your deductible?
If you determine to go through your carrier — and assuming your policy doesn’t have a provision for waiving your deductible under these circumstances — then, yes, you’ll have to pay your deductible. Your carrier will then pursue the at-fault party for all monies paid, including your deductible. Keep in mind that applying your deductible has nothing to do with liability. It doesn’t matter if your car was parked and unoccupied, or if you were rear-ended. Rather, the deductible is the portion you agreed to pay in the event of ANY loss, regardless of liability. If the at-fault carrier agrees to pay for the damages (which they should, given the facts-of-loss), then you’re correct: You wouldn’t pay your deductible. Your deductible applies only if you’re going through your own carrier, and even then, the at-fault party still owes for ALL the damages. By avoiding your own carrier, you shouldn’t have to pay out-of-pocket for any of the damages. Also, if you do determine to go through your own carrier, they might waive your deductible if they confirm that the at-fault driver has active insurance, and if they confirm that the other carrier is willing to pay. A private practice: When I called my insurance company about this, they told me that if the at-fault person’s insurance company (I’m assuming they’re at fault since they hit a parked car) assumes liability (again, since they’re most likely liable) they’ll cover the damages and I won’t have the pay the deductible. Did I hear this wrong? Also, I live in Pennsylvania, and from what I hear our insurance laws are a little goofy.
If a car is stolen and has an accident within 24 hours is the car proprietor’s insurance responsible?
Your insurance company should cover the risk. Good question. Doesn’t the reaction depend upon each insurance carrier’s T&C? Do individual state laws trump policy limitations? This reaction fully depends upon both the language in your policy and the laws in the state where you reside. However, in general if you car was stolen and the person who stole the vehicle is involved in an accident, your policy would cover any harm to your vehicle however you would not be held responsible to any harm caused to others as a result of that accident. Be ready for a thorough investigation by both your company and the company for the person whose vehicle was bruised because of this accident. Unluckily in my practice, too many people cause accident due to intoxication or other and flea the scene then create a story about the vehicle being stolen to avoid paying the penalty for both their crime and damages to others. It also depends on whether you have utter coverage insurance or not. If you do, then the above is correct, but if you carry liability only, they will cover damages to others property, but not yours.
If an uninsured car parked on a city street is stolen and involved in an accident is the holder responsible for damages?
no, you are not responsible in anyway for anything that a thief does with your vehicle during the time the thief has your vehicle……now, since it was uninsured you of course have no coverage for any harm etc. to your vehicle but contact the pros. atty in your city (assuming thief was caught) and ask for restitution………..
Do you have to pay your deductible if the accident was not your fault?
No. The other person’s insurance should pay everything, including your rental car use during the time that your car is being repaired. UNLESS the person that hit you is claiming innocence and there were no witnesses. Then you may have to pay the deductible if your insurance company can not get them to pay.
If someone drives your car with your permission and has an accident who should pay for the items not covered by your insurance such as deductible and alternate transportation etc?
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That is inbetween you and your friend and how much you want to remain friends with this person. This question might be better suited for Dr. Phil or Oprah.
That is inbetween you and your friend and how much you want to remain friends with this person. This question might be better suited for Dr. Phil or Oprah.
If you have PLPD and are involved in an accident does their insurance cover your car?
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If the other party has insurance then their “property harm” coverage should cover harm to your vehicle. If you happen to be at fault or there is some question as to who is at fault then it might be hard to collect from their insurance company..
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Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver’s insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.
If the other party has insurance then their “property harm” coverage should cover harm to your vehicle. If you happen to be at fault or there is some question as to who is at fault then it might be hard to collect from their insurance company..
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Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver’s insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.
Can your employer make you pay the insurance deductible if you have an accident in a company vehicle?
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I don’t know, but if the accident was your fault, why should he have to pay it? Might be better to pay it so you can keep your job (if the accident was your fault)..
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Most likely not, if you were on company business at the time. If you take a company truck home after work and you were at fault, that’s a different situation. In either case, if you were at fault, he can write you up or possibly fire you. It might be lighter just to pay the deductable.
I don’t know, but if the accident was your fault, why should he have to pay it? Might be better to pay it so you can keep your job (if the accident was your fault)..
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Most likely not, if you were on company business at the time. If you take a company truck home after work and you were at fault, that’s a different situation. In either case, if you were at fault, he can write you up or possibly fire you. It might be lighter just to pay the deductable.
Whose insurance pays if you are borrowing another’s car and are in an accident?
Read your policy. If the policy says that anyone driving your car with your permission is an insured, then the company that insures that car pays. Many policies exclude certain drivers, so it is not a one size fits all reaction. .
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The insurance for the car will pay, not the driver. Sadly, you are not required to pay anything, but if you are a responsible person, then you will….especially if it was your fault.
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The insurance for the car will pay, not the driver. Sadly, you are not required to pay anything, but if you are a responsible person, then you will….especially if it was your fault.
Do you have to pay a deductible if your car is involved in a hit and run accident?
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If the party who caused the accident is not located, then you very likely will have to fork over your standard deductible.
If the party who caused the accident is not located, then you very likely will have to fork over your standard deductible.
Will car insurance pay for a car totaled in a DUI accident?
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It should. If the “at fault” vehicle is insured, it’s supposed to cover the victim’s vehicle 100%. If the “at fault” vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount.Note that the inebriated driver will liberate his insurance and be required to get the VERY expensive DUI “insurance endorsment” since he/she is now in the highest risk bracket..
BTW, when a toasted driver causes a collision it’s not called an “accident”. Accident is when things just happen. Driving inebriated is the CAUSE of the collision and as such the collision is not called an accident. Call it a wreck, crash or just about anything else that takes away the implication of a random act.
Do you pay one deductible or two if two cars from the same policy are involved in one accident?
Dependent on the fault factor and without knowing all of thecircumstances I can securely say two deductibles would be paid.
Are you covered by your insurance if you are driving in a cast and are involved in a car accident?
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It depends on your coverage & the state, but normally if you have total coverage your insurer will cover any accident you are in.
It depends on your coverage & the state, but normally if you have total coverage your insurer will cover any accident you are in.
If you are in an accident and it is your fault does your insurance pay for both cars?
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No lovey not if your the one at fault… Insurance only covers the other person if your at fault sorry honey……
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It depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cover the other person’s harm. If you also purchased collision insurance, that will pay for your vehicle (less the deductable).
If a car you bought is found to be stolen should your insurance pay for it?
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No, the seller is obligated to provide clean title. If the dealer has sold a stolen car, you should be able to get all of your money back.
No, the seller is obligated to provide clean title. If the dealer has sold a stolen car, you should be able to get all of your money back.
When involved in a multi car accident do all insurance company’s need to pay you?
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Not unless there are unusual circumstances..
Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.
Not unless there are unusual circumstances..
Generally the insurance provider of the person who is deemed to have been responsible for the accident is liable.
If you have a suspended license and utter coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
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Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then determine who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
If you accidentally hit your wifey’s car with your car and both vehicles are insured on the same policy will you have to pay two deductibles or will it be treated as a single accident?
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You need to check with your agent. In some cases, accidents involving relatives are not covered.
You need to check with your agent. In some cases, accidents involving relatives are not covered.
If your car was violated into and your GameCube was stolen is there anyway your insurance can pay for it?
Unluckily not. It is your responsibility to ensure that all valuables are eliminated from view in a car when you leave the vehicle. The best of us can leave behind things at times but ultimately it is your responsibility to take your stuff with you. Sometimes insurance companies will insure stuff Linked to the car, such as audio equipment, but most of the time you have to have very specific insurance for that and usually the company will have an itemized list of what’s covered.
Does the insurance company pay medical bills if involved in an accident?
Depending on the type of accident and sometimes who is responsible but generally yes..
Please, next time, read the fine print of your contract.
Please, next time, read the fine print of your contract.
You were involved in an accident and the dirver hit you from behind sending you into the car in front of you now that insurance company wants you to pay for the repairs what should you do?
Typically that is the way it works, They car behind who hit yourcar pays for your damages and the car in front that you hit will becovered by your insurance.
Your car was stolen with only liability insurance will the insurance pay?
Sorry. I feel for you. But you are screwed. I had a 1995 Acura Legend stolen and only had liability on it (I dropped utter coverage two months prior). It is without a doubt NOT covered.
What if my car was totaled in an accident the insurance pay off the debt?
Only if you carried GAP insurance will it pay off what you owe to the Lienholder. If not then they will only pay what they valued your car to be worth which may or may not be enough to pay off the loan.
Where do you file a claim to sue for deductible from a car accident involving a car with no insurance with no insurance?
If I understand your question you are attempting to recover a deductible you incurred due to the fault of the other driver who was uninsured? If this is the case it may depend on the state in which you live and what coverage you may or may not carry. If you are from CA, we have what is called UMCDW or uninsured motorist collision deductible waiver, which if you were carrying this type coverage as part of your auto policy, it would pay your deductible if your vehicle were hit by an at fault, identifiable uninsured driver. If you do not have similar coverage on your policy or in your state, you may simply have to file a claim in puny claims court to recover your deductible and good luck. In many cases if you are dealing with an uninsured driver, even if you win judgement you still have to be able to collect it…sometimes the hardest part! In the future you may want to consider a product called CDRP which is a Collision Deductible Reserve Plan to insure your deductible is always available for you when you need to use it. It is a very wise financial stir that can not only save you hundreds if not thousands on your car insurance premiums but would give you peace of mind knowing your deductible is always there when you need it! You can learn more about this incredible product at TheFiveMinuteMove.com .
If you an uninsured motorist were involved in an accident that wasn’t my fault will the guilty party’s insurance pay for a rental car for you?
Your question is confusing. The way I read it, the one that caused the accident was uninsured, so how can that person’s insurance company pay for your rental car? He has no insurance company.
Will the insurance company pay for a car if it was stolen using the key?
Yes. My car was stolen not once, but twice within a one month period. I just moved into a fresh apartment and I accidentally left my keys dangling outside still in the lock. I awoke the next morning and instantaneously discovered that not only my keys were missing, but my car as well. They recovered it Trio days later totally wrecked. I fortunately had total coverage, and they paid for all repairs & even a rental car until I got it back. They didn’t switch the locks or alarm on my car as I requested, and you guessed it, a day later my car was gone again. The insurance company gave me Two weeks, then ultimately wrote the car off as a total loss, and paid me for the blue book value at the time. I only lost out $896 on the total value.
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle?
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.
If a vehicle that has been stolen is involved in a car accident and is at fault whose insurance will cover the harm to the 2nd vehicle?
The 2nd vehicle will be covered by it’s own insurance. That company will then attempt to sue the driver to recoup it’s losses
If you get into a car accident and the other person does not have insurance do you still pay the deductible?
This depends on many factors, including the capability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.
Who do pay your car insurance deductible to?
Your deductible only gets paid in the event of a claim. For example, you tap a light pole in the mall parking lot. The pole is ok but your car is bruised. If you have comprehensive coverage on your car, your insurance company will pay a claim to have it repaired. So, you get a figure shop who says it will cost $1,400 to fit it. If your deductible is, say, $500.00, your insurance company cuts a check to the bod shop for $900.00 which is the difference inbetween the harm repair bill and the deductible. Thus, you must come up with the $500.00 amount.
Where do I get help to pay for my car accidents and insurance in hit and run?
Generally, you cannot, in the absence of collision or uninsured motorist coverage. If the hit and run driver is eventually identified you may be able to sue them personally. Both collision coverage and uninsured motorist coverage are “first-party” coverages, meaning that they cover your own vehicle. Collision coverage provides property harm for your own vehicle irrespective of fault for the collision. It is normally subject to a deductible, meaning there will be an amount that you will have to pay out of pocket. You will have to check your policy, or with your insurance agent, to see if you have the coverage, because it is generally not mandatory. That said, if the vehicle is financed, the entity through which you financed it may have required that you get collision coverage to protect the collateral. If you did not, the company that financed the car may have obtained “force-placed” coverage for you and charged your account the premium for it. Therefore, you should contact the finance company and determine if it did and if so, get the specifics on the coverage so that you can make a claim. Uninsured motorist coverage provides benefits to you if you were injured (usually there is a requirement of permanency, but state law controls) by the negligence of an uninsured driver. It does not provide any property harm benefits, so depending upon the damages that you sustained, it may be moot whether you have it or not. If your state requires you to maintain liability coverage on your car, it will generally also require that your insurer have suggested you the chance to buy or to waive the purchase of uninsured motorist coverage.
Will insurance pay if a car is stolen with the keys by family member?
You will need a Comprehensive policy and you will need to report it stolen with the police. If they are found and the car is not, you will need to go after up on this and take them to court. If at any time you drop the charges, the insurance company will revoke their money used to pay the claim. This will increase your premium, but you would get your car substituted. If your car is recovered and it is bruised, then the claim will cover the harm in the same situation. Again the pulling down the charges against your family, will drop the claim on the car. The insurance company (as will law enforcement) will consider it a Civil matter instead of a criminal mater when you drop the charges.
Who pays the medical bills if you are involved in an auto accident where the at fault party has insurance and i was a passenger in car that was hit?
Most states require auto owners to maintain “no-fault” coverage; it is sometimes referred to as “Individual Injury Protection”. It is a first-party coverage, which means that one maintains it for their own benefit. No-fault coverage pays a percentage of the medical expenses and lost wages sustained by an injured part in an auto collision, and benefits are payable irrespective of fault. That is, your own coverage pays benefits even if you caused the collision. Depending upon the state in which the policy is issues, a deductible of some amount may be permitted. A deductible is the amount which the insured is responsible for paying before insurance benefits are triggered. A similar coverage, which pays over and above no-fault is called “medical payments” coverage. An extra premium is charged for this because it is an optional coverage. It also is a first-party coverage which pays irrespective of fault.
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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.
Does car insurance in Virginia pay for power pole in accident?
Provided your premiums have been paid and your policy was in effect at the time of the accident, an automobile’s liability coverage will pay for any property harm you do in an accident, even if you run your car into a store front or knock over a power pole. The policy will pay up to the limit of the liability portion of the policy.
Will home insurance pay for car keys stolen?
No, even if it did, it would be less than you deductible anyway. Car keys cost about 7 dollars to substitute by a brand car dealer. all you have to do is give the dealer your vin number.
Can your car insurance cover your medical if you were involved in a motorcycle accident?
If your motorcycle was a scheduled vehicle on your Insurance Policy then you should be covered. If you were on someone Else’s Motorcycle then their insurance policy should cover your medical. If neither coverage is available then you could look to your major medical policy or HMO for medical coverage.
When insurance pays for a stolen rental car and the car was found who now possesses the car?
All salvage rights would belong to the Insurance Company because they have already bought and paid for the car. It would now belong to the Insurance Company. If the Rental Car company attempted to keep the vehicle without very first negotiating a purchase or buy back from the Insurance company it would be considered Grand Theft. They would be subject to criminal and civil charges.
If a rented car is stolen and insurance pays but then the car is recovered what happens to the car?
The finder is obligated under civil and criminal law to notify the Police and the Holder of the vehicles recovery and location so they can come pick it up. Since the the Insurance Company already paid for it. It belongs to the Insurance Company. If the Rental company wants it back, They will have to attempt and buy it from the Insurance Company. All salvage rights would belong to the Insurance Company because they have already bought and paid for the car. It would now belong to the Insurance Company. If the Rental Car company attempted to keep the vehicle without very first negotiating a purchase or buy back from the Insurance company it would be considered Grand Theft. They would be subject to criminal and civil charges.
What do you do when your car insurance wont pay after an accident?
Check your policy, and if they are attempting to cheat you, then sue them till they have to pull out a loan just to go to the bathroom.
What insurance policies are involved when there is a car accident?
Auto insurance, and if you are hurt by the accident, then health insurance too, but you will need health insurance for the 2nd to file a claim for injuries, and health insurance is optional. Auto insurance is required by law. If it is someone else’s fault however, thentheymust pay for all the harm to you, your car, and themselves.
Where to go if your Insurance company is not paying for the loss of a car accident?
Attorney General,s office where you live. Also attempt the Better Business BureauAdded: Contact the State Insurance Commission of your state and file a complaint.
Can insurance make you pay if cars behind you get in accident?
I’ve got a feeling there is more to this than the question states. The response is if you caused the accident and the police and/or insurance investigator state that you caused the accident then yes you can be at fault and liabile to pay for damages. For total disclosure, I own and operate a puny Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for Three years before that.
What happens if your car is insured but license is suspended and you are involved in an accident?
If your license was suspended, and you were driving, it is fairly likely that you insuror will NOT pay for the damages, and will cancel your coverage, because you were knowingly operating the vehicle unlawfully.
Do you have to proceed paying your insurance if your car is stolen?
No, as long as you have let your insurance company know they car is stolen.
Do you have to pay for a car when in an accident who does not have insurance?
Pretty much yes, If your liable for the harm then you have to payfor those damages. If you’d have had your car insurance in place atthe time, it would have paid the bill for you however. Good luck..
What are the best deductibles to pay on car insurance?
It is hard to say the best deductible to pay for car insurance since it will vary by person. It depends on how much a person could afford to pay out of pocket if they get into a pocket, and if a person thinks that they would get into accidents often.
Does your insurance pay PIP for passangers involved in auto accident?
This will be determined by the state laws and your policy. In Georgia, for example, a civil attorney looking for an office, promised to reduce auto insurance rates by 15%. Since he had no real skill about insurance, business, or much anything else, all he did to reduce rates was to do away with PIP Coverage which was a valuable coverage. By wiping out PIP coverage he diminished the rates but left behind to tell people about the loss of coverage.
Who pays the deductible if it’s not an accident?
If the occurrence is not a traffic accident then it will most likely be a comprehensive claim and therefore if you have comprehensive coverage then you will pay your comprehensive deductible. The comp deductible is usually the lower of the two deductibles.