Absolutely. Not only are you legally liable for the amount of the damages but by paying the deductible you basically admitted your liability. When you agree to pay and you will agree to pay make sure you let them know that you paid the person for their deductible so you can get credit for that amount as long as the other party does not deny that you paid them.
Can you still contact your total coverage insurance company to repair damages to your car if the accident occurred a year ago?
Sure. It certainly frowned upon, because often if you don’t repair the damages to a vehicle, further damages can occur (framework harm, for example, can mess up a car pretty badly if driven on for a year after the accident). Your carrier will make a note of it to their underwriting department, and depending on the seriousness of the damages or whether or not you mitigated your damages (ie, didn’t incur further damages), it could affect your policy. But…at the time of the accident, if you were paying premiums for coverage on your car, your carrier is contractually obliged to take care of those damages. Just don’t be astonished if they won’t cover extra damages that resulted from not having the vehicle decently repaired right after the accident.
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 individual 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 that was reported stolen hits your car why would the stolen car’s insurance company reject to pay for damages?
Very likely because the possessor did not exercise normal precautions and by leaving the keys in the vehicle actually participated in its theft. Call that lawyer who advertises on TV. If he can’t get the insurance to pay, he’ll get a judgment against the holder. The proprietor of a stolen vehicle is not responsible for the deeds of the thief that stole their vehicle. If there is no liability on the proprietor, the insurance company does not owe the claim for property harm to others.
If you are a victim of hit-and-run accident caused by a rental car driver can you claim the damages from this rental car company directly?
You can only claim against the rental company if the driver took out their insurance. If he has his own separate insurance, that is where you need to make the claim.
Do you have to go through your insurance co if you hit a car when the victim wants me to even tho’ you are willing to pay for damages?
i agree you need to file it with your company because the injured party wants you to, and to protect yourself, however, all companies i have worked for…if the insured wishes to pop (pay out of pocket), that can still be done, (if ok with the claimant), and supervised by the insurance company…this will also protect you from further claims……. .
if one party wants to go tho’ it using insurance then yes you have to as well.
What happens if you have no car insurance and have a wreck but are willing to pay for damages?
Then you are doing the right thing. If you avoided getting a ticket then the accident won’t become part of your record.
If your car was hit while parked do you have to pay the deductible for the repair?
This would be dependent on the insurance you have. If you know who hit your car and have all of the pertinent information, you most likely should not have to pay the deductible. If you don’t know who hit your car, and your state and/or you do not have waiver of deductible insurance, then you would have to pay the deductible.
Will an auto insurance company repair a car that has had an electrical fire even if there is no physical harm to the assets of the car?
yes. it is a covered loss Payable under comprehensive or “other than collison”
Can car insurance companies not repair your car if you left behind to add something on the insurance?
Auto covered only as manufactured .
Yes. The policy coveres the vehicle as it came off the assembly line. They have no way to know how much to charge you for “finish” coverage if you don’t tell them. Another thing to see for is that auto polices are Actual Cash Value coverage. That means they pay how much something is worth at the time of loss. Even if you tell them you spent $4000 on rims and tires, they are not obligated to pay you $4000 when you get jacked. The moment you climb on them on your car, the value goes down. This is a bad loop slot in insurance.
If you buy auto insurance when your car is already bruised and needs immovable will they pay to repair it?
Again, insurance fraud is a felony crime..
No. When a claim is made the proprietor of the vehicle is required to present the vehicle for an inspection by the insurance claims investigator..
The possessor will also be required to pack out a report concerning all relevant facts to the accident (time, place, other vehicle involved, etc.) .
Claims adjusters/investigators are very well trained in what to look for especially when the issue may be one of a fraudulent nature. .
However, it is not unlikely the person would be charged with a criminal offense, unless the insurance provider paid the claim (not likely) and it was later proven the insured intended to defraud the provider..
Still fraud, still a felony..
No, insurance coverage/reimbursement whether vehicle or other property is not retroactive..
That’s fraud and it’s very effortless to detect, so unless you want to be arrested and prosecuted, I wouldn’t attempt it.
If you permitted a friend to drive your car and he totaled it but his insurance company subtracted 500 from the check for the deductible why do you pay for his deductible?
Because this was an at-fault incident, the 500.00 deductible is your responsibility. You as the possessor of the vehicle permitted your friend to drive the car to begin with. Your friend in all fairness should pay you the 500 dollars..
I’m a bit confusedWhy is your friend’s insurance paying you? Your own comprehensive/collision policy should pay you (less the deductible) and then “subrogate” the claim to your friend’s auto or general liability insurance or sue him directly if he has no insurance and send you the deductible after they have collected.
If the insurance adjustor assessed the hail harm to your car and the company sent a check can you keep it without repairing the vehicle?
Yes you can. one of my relatives did. But if the damamge was truly bad, you very likely should get it stationary..
Yes, unless a bank or finance company has a lien on the vehicle. The lienholder will insist that the harm be repaired or the money be used to reduce the loan. But if you own it free and clear, the insurance reimbursed you for the diminished value of the car. HOWEVER if you do not have this harm repaired, any future harm will not be fully covered.
Your car was hit by a stolen vehicle and bruised your insurance can’t help so you went to the persons who car it was insurance and they said you may have to pay for the damages ourself how can repair?
I’ve been an insurance adjuster for 20+ years so please let me see if I can help..
The other insurance company won’t pay for your damages because insurance policies do not cover people who don’t have permission to use the vehicle. .
If you do not have collision coverage on your own policy then you have three options..
1. Pay for the repairs yourself. .
2. Sue the thief and get a judgment against them. However, be aware that getting the judgment is not a assure of payment. The court will not be able to help you collect your money. .
3. I recommend this……Get in contact with the police to see if charges are going to be filed against the thief. Ask them who to contact about having your car damages included in any restitution the court orders the thief to pay. This can take a long time but it has the best odds of getting your money back..
If you crashed your friend’s car – can you get your insurance to cover the harm and is it ethical to say you caused the harm with your car in order to get your insurance to pay rather than his?
no your insurance will not cover you his will even if you were driving as long as you are licensed and he has total coverage not only is the latter unethical it is illegal its called insurance fraud and carries intense fines and maybe even jailtime
Will a insurance company pay for the damages done to your car by someone who stole it?
Insurance is supposed to comeback the car to the condition it was before it was stolen.
Do insurance companies pay for the totaled car causing a collision in a DUI case?
yes if you have collision coverage barring any exclusions in your policy to the contrary.
Can you turn down a total by the insurance company and pay to have your car repaired by myself and still have car insurance?
Yeah, there should be no problem cancelling a claim on your insurance if it isn’t under way already.
Does it cause harm to leap begin another car with a BMW?
Not normally but it is recommended to keep the lights on to help control power surges
Does your insurance company pay for your car?
If you carry total collision and replacement of your vehicle, depending on your insurance company, they will pay the blue book value of the car if it is totaled. That is why it is significant not to ever owe more than the car is worth, which is referred to as “being upsidedown.”
If you hit an unlicensed driver will your insurance pay for damages to his car?
This will depend on the type of insurance coverage. The insurancecompany can determine to go to court and argue that since the driverwas uninsured, then they should not be liable for damages.
Driver told that car is insured under owners policy Crashes it and it turns out there is no insurance for the vehicle. Drivers insurance pays for harm to 3rd party Who pays to repair the car?
It is always the at-fault party’s responsibility to pay for the harm they cause in an accident. Insurance is a transfer of risk from the driver to the insurance company, but if the coverage (collison) does not exist on the car, then the driver will be responsible to pay out of pocket for the harm.
Should my insurance company pay for the car harm of the car that I recently bought but not yet added under my insurance?
If you have purchased a vehicle within the past 30 days and not added it to your policy yet, the coverages on your current policy will transfer to your fresh vehicle. If you are not carrying comprehensive and collision on your current car then harm to your fresh car will not be covered. Just because you have a 30 day window does not mean you should use it, the insurance company will still charge you effective the date you took possesion on the car, regardless of the day you call to make the switch. Puny things like this and letting other people borrow your car are too petty not to have adjusted permanently, there is no point in chancing things like this when the cost/time to make switches decently is so low.
In the long run is it cheaper to pay for the damages you caused to another car rather than go however the insurance company and have rates increase and be charged a surcharge?
minor like bumper mirror, petite dent, yes. after Four figures, no because someone (holder or repair shop) will milk you somewhere. put in in for insurance and invest the rest of the money.
If you get into an accident with someone else’s car and their collision insurance is repairing the harm do you need to report it to your own insurance company?
There are pros and cons to filing with your insurance company. If you bring your insurance company into it, you will have an adjuster working on your side. Especially if there are any medical claims tied to the accident, this can be a significant benefit..
The tradeoff is that your insurance company underwriters will include this accident (even if it wasn’t your fault) in their risk assessment of you when it comes time to renew your policy and this usually translates into higher premiums..
In general, I think it’s best to stick with the other company if they are treating the claim to your satisfaction. Usually if you are not at fault you are elligible for a free rental car (I believe you have to pay for the rental car insurance however) and you should have the right to take the car to your dearest repair shop rather than the one they suggest.
Will the insurance company pay you for the use of your opther car while your primary car is bruised?
If you are not at fault, you can make the other persons insurance company compensate you for a loner car. If you are at fault, most insurance companies suggest a loner car as an option to your insruance plan (increases your premium)
Can you request a check for damages from the insurance company of the driver who caused the accident and not get your car repaired after an auto accident?
It depends on if you have a lien placed on your vehicle (by you lender. If you own the car free and clear, you can take the insurance money and not repair the car, but if there is a lien on your vehicle more often than not the insurance company will make the check out to you and your bank.
Your son permitted a friend who you later discovered had a suspended licence to drive your car He was the at fault driver will your insurance company still pay for the damages and medical bills?
YES. BUY SOME COMPANIES RESERVE THE RIGHT TO SUBROGATE THE CLAIM. THIS MEANS THEY WOULD COME AFTER THE AT FAULT AND Attempt TO COLLECT WHAT THEY PAID OUT. BUT AGAIN IT DEPENDS ON THE STATE U live in
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.
What to do if the insurance company turns down to pay sufficient car damages?
I would take the person who caused your accident to puny claims court. Make sure you have all your paper work in order and can state your case.
Will my insurance pay for damages for drivers car without license?
When you permit someone to drive your car, you are providing them the coverage of your insurance. If they were to get into an accident, your policy would pay very first.
Will your car insurance company let you have a rental car while your car is being repaired?
That depends if you have rental vehicle coverage included in your insurance coverage. If so, then, they most likely permit a maximum dollar amount per day for a maximum of days. If not, you are welcome to rent your own vehicle at your own expense.
If someone borrows your car and total loss it will the insurance company pay for damages?
Yes. Collision coverage pays for harm to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for harm they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.
Nancy has a 100 deductible on her comprehensive insurance policy If her car repairs total 750.50 how much would her insurance company pay on the repair of her car?
All other things being equal, if the loss comes under the comprehensive coverage of her policy, and is not otherwise excluded, the insurer would pay $650.50; she would be required to pay $100. Keep in mind that comprehensive deductibles and collision deductibles are sometimes different. Therefore, it is significant to be sure of which coverage is involved. Glass claims are usually covered under the comprehensive coverage. Many States have statutes that prohibit insurers from applying the policy deductible to the repair or replacement of a windshield if that is what is involved. Therefore, the law of the State should be consulted.
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.
Should the insurance company of the car that hit my car from behind still pay for my damages if they were a victim of a hit and run?
Hit and run is considered a moving disturbance and will never switch the circumstances of an accident. The facts will be weighed without the hit and run.
Do you pay a deductible if a falling tree damages your car?
YES! But be warned it depends on what type of coverage you have. Some insurance companies will call that an “act of god” and reject the claim even if you have utter coverage, so you have to READ THE FINE PRINT.
What kind of insurance pays to fix damages that you cause but does not cover your own car?
If you were driving someone else’s car with their skill and consent, and were named as an extra insured or otherwise covered under the policy, that liability coverage is likely to pay. If you neither had permission nor were an extra insured (by being named on the policy or because of a relationship to the named insured), you most likely would not be covered. As a practical matter, if the damages were relatively minor, the insurer may make a business decision to pay the claim. Otherwise, it would issue a “reservation of rights” to the named insured stating that it was not going to cover the claim.
What happens if you harm someone else’s car and you want to pay repair company and not proprietor?
Well, you can not force someone to repair their own property. Your financial responsibility obligation is to the injured party, not to a repair shop. If you are liable for damages to someone else’s property or vehicle, you are required to compensate that person for the loss you caused. You can not dictate what must be done with the funds you owe them and you can not encumber the funds through a third party without the claimants consent. It is up to the property proprietor if he chooses to repair or not to repair and what repair shop, if any he chooses to use. He may choose to use the compensation you owe him toward the purchase of another vehicle, repair the vehicle himself or even use his compensation to go on a private vacation. The choice is totally up to the property proprietor. Your liability and obligation to compensate is not effected by and has nothing to do with what the claimant chooses to do with the compensation. ReactionIf you have bruised someones car and you’re willing to pay for the harm yourself, the holder of the vehicle still has the right to select who they want to fix their car. They get the choice of repair facility but they should not have a problem with you paying the repair facility directly. If they don’t like that arrangement and insist that you pay them, only do so from an estimate or receipt from the repair facility and get a receipt signed by the car possessor for your payment that spells out what your payment is for.
Do you have to pay a deductible if you hit an animal and harm your car?
Yes you do. It is still considered an accident and it will affect your payments as well.
Will the insurance company pay for the damages caused by their driver if the injured victim is driving unlicensed and the car has been totaled?
Let’s see if I can go after this. Insurance company A is at fault because of deeds caused by driver A. Driver B who is not at fault is injured, but is unlicensed, and Auto B has been totalled. Insurance company A is going to have to pay damages to Driver B for property harm as well as for injuries because Driver A is deemed at fault. The fact that Driver B is unlicensed is a non-moving disturbance and Driver B will have to pay a substantial fines for these issues.
My son harm someones car on the street with his bike can i get my car insurance to pay for it?
I assume that you mean his bicycle and not a motorcycle or motor scooter. If you mean bicycle the reaction is no, your auto policy will not cover the harm to the other persons vehicle. Your homeowners insurance may have coverage that would take care of this type of harm. I would recommend that find out what it will take to repair the harm and attempt to pay for it yourself without having to make a claim on your homeowners insurance. You want to attempt to not make puny claims on your insurance if at all possible.
Can your insurance go after someone that bruised your car and get your deductible back?
Yes. If someone hits your vehicle and the insurance company pays for the damages, they will go after the person who was at fault for the damages paid and after they collect all the money paid out they will reimburse you for the deductible that you paid when the vehicle was repaired. The damages were paid under your uninsured motorists coverage which has at least a $250 deductible for property harm so when all the damages are recovered from the person, that will include the deductible and you will get a check back for that amount.
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Most likely not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter’s fault, then the at fault party is responsible for the harm they caused to your vehicle, regardless if the other party was licensed or not.
Will insurance pay for a car motor bruised from a flood?
Engine, not motor, and that depends on your insurance policy. Ifyou don’t have flood insurance specifically, flood harm istypically not covered.
Do insurance companies pay for wrecked cars?
It can be said that insurance companies pay for cars after a wreckas long as you are fully insured. But when a person does get money from the insurance company it doesn’t mean that they are buying it from you. The car will have to be taken to a car junk yard and you can sell it to them.
Do most car insurance companies suggest a numerous car deduction?
Most should, such as the big named companies like State Farm. Allstate, Geico, and Farmers. To get a numerous car deduction, each driver is very likely going to have to get approved.
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.
Will your auto insurance company pay for repairs if the total amount of repairs is more than what the car is worth?
In my practice, in a number of countries, Auto Insurancecompanies will not pay for repairs unless the repair is result ofan accident. Then only what the car is worth.
Will progressive insurance pay for your car harm that was caused while your car was parked legally in your apartment parking lot if the driver of the car did not have insurance but the person who ha?
You didn’t finish your question so I will attempt to response it as best I can. Any policy no matter what company it is will be the same if you have the same coverage. If the other party had no insurance on the vehicle then your uninsured motorist coverage will pay for your harm just as if they had coverage up to you limit of UM coverage. If the other person was using someone else’s car and the car possessor had coverage then his insurance will pay for the damages. Liability coverage goes after the car generally. If your UM coverage has to pay for the damages, they will go after the car holder and the driver for reimbursement of the loss.
What type of insurance pays to fix damages that you cause but does not cover your own car?
It is called “Third Party Insurance Cover” and in most countries itis a legal REQUIREMENT to have this cover on ALL cars being drivenon public roiads. It is normally sold to you as “Third Party, Fire and Theft” andcovers for those Three eventualities. The insurance that covers injury to YOU and YOUR car if you are atfault is called “Comprehensive Cover” – (this includes “ThirdParty, Fire and Theft” cover too).