- It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only “legal minimum”. And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception.
There may also be an issue if the passenger is a member of your household.
#Two answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault.
- In the UK – the reaction is ordinary. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled “car accidents caused by family members” to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.
If a passenger in the backseat unseatbelted is injured and the driver of the car is at fault what liability does the driver’s insurance have?
When taking a one day “Driver’s class” in a classroom setting, to get a speeding ticket off my record in California, the instructor told the class to read the “fine print” on your policy, because many insurance companies elect to not cover you for injury in an accident, if someone is not seatbelted. This is very likely why in the Emergency Room, they always ask you numerous times, by different people, at different times, “Do you reminisce if your seatbelt(s) was(were) on?”. It is best to make sure you ask when shopping for insurance the question in advance, or better yet, this is why the instructor said it gives you total cause to ask everyone in the car to fasten up, before you will drive them anywhere. Otherwise, you are entitled to ask anyone who won’t who will put you at risk, and everyone else in the car, to not share in the rail. (At this point, everyone will be belted in!)
If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved’s insurance does not pay. Legally, car insurance is primary over health insurance.
How does liability insurance work when the driver has an accident and kills a passenger due to inebriated driving?
Barring any policy exclusions to the contrary, the driver would be held responsible (assuming they were at fault for the accident), and their Bodily Injury Coverage, (and perhaps medpay and pip, and some others) would cover this sensless death, up to the policy limit. More accident/loss details and I could perhaps assist you more. .
In the UK all drivers must have in place a valid policy of motor insurance which will cover injury or death to third parties as well as harm to third party vehicles. The motor insurance policy will pay for the fatality caused here, but terms of the insurance policy might permit the money to be recouped from the driver depending on the clause relating to excessive alcohol consumption. The driver would also face a criminal conviction. To read all about the different types of motor vehicle insurance see the related link entitled “accident car insurance” and to see the claims process following a fatal accident see the related link entitled “fatal accident”.
If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car stationary if you only have liability insurance?
As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it’s proven, there may be coverage under your carrier. I’m in Canada where things are a bit different but it wouldn’t hurt you to attempt right?
If you are in an accident with an illegally parked car who has the liability?
This question would require much more information to be answered. Very possibly the possessor of each vehicle could be responsible for their own harm. Consider seeking legal advice.
What happens if a car accident was not your fault but you were driving a friend’s car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are permitted to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you very first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
If you only have liability and your car is totaled in an accident will your insurance pay for it?
Car insurance:liabiltityNo. Because liability only covers the damages to the other persons car in an accident. “Three. Property Harm LiabilityThis coverage pays for harm you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means harm to someone elseï¿½s car, but it also includes harm to lamp posts, telephone poles, fences, buildings or other structures your car hit.” See the link below for more information on coverage. ResponseNo. Liability takes care of the other driver and his vehicle only. ReactionNo. Unluckily, liability only covers the OTHER fellow’s car. If you do not buy the “comprehensive and collision” coverage, YOUR car is only covered if the OTHER stud is at fault. ResponseIn the UK there are three main types of car insurance: 1. third party; Two. third party fire and theft and Three. comprehensive. The very first type will not pay for harm to your vehicle in any event; the 2nd will pay if harm to your car is caused due to fire or theft and the third will pay in any event for harm to your vehicle. If however harm is caused by the user of another vehicle you will be entitled to claim compensation from the other driver’s motor insurance for your vehicle harm and if no insurance is in place form the Motor Insurers Bureau. See the related link entitled “car accident claim” to see how to display legal fault for your car accident.
If you cosigned a leased car for your daughter and the car and insurance are in her name are you responsible as cosigner for any liability over the covered insurance amount in the event of an accident?
Ordinarily a cosigner would not be liable for anything other than the lending agreement. .
However, responsibilities incurred by all parties when a vehicle is under lease can be fairly different than the purchasing a vehicle. It would be prudent for the cosigner to read the leasing contract very cautiously and perhaps seek legal advice if they are uncertain of the terms of the contract.
Who would cover your sons injuries sustained in car accident while driving in NY state with AL liability only auto insurance?
Liability is only to cover the other person. You might have to pay out of pocket for your son.
How much would insurance cost if you were involved in a car accident that was your fault and both drivers have liability insurance?
How much will it COST? If you have a good record of several years without claims, your premiums may not increase, but if you are a fresh driver or have had prior claims the increase will be determined by your insurer and no one else can give you a definite response. Or how much will it PAY? If it was your fault, your liability coverage will pay for the harm to the other driver’s car and if you do not have collision coverage, you get to pay for your own repairs.
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the holder of that car and is not on that car’s insurance policy?
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers “you” from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle..
Concerning the party that is not the proprietor nor on the car owners policy, the car possessor’s auto policy covers the car and any lawful driver aslong as their were no “misrepresentation” on the insurance application/contract. By misrepresentation I mean, at the moment the car holder signed the application and contract he was to state any material facts that could switch the underwriting decision such as premiums. For example, if the car proprietor has a son who will also drive the car, the car holder is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a “undisclosed driver” was operating the veichle the insurance has Two options. 1. He can Void the policy/contract and not cover the auto possessor. or Two. He can cover the auto holder and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car..
Note” In uncommon cases, an insurance company will cover the “undisclosed driver” aslong as the difference in the premium is paid.
Is No-fault insurance covered only auto accidents?
Yes only for Auto, Campers, Motorhomes while on the highwayWhat’s No-Fault Insurance?No-Fault Auto Insurance Coverage pays for each driver’s own injuries and property harm, up to the limit specified in the policy, regardless of who caused the accident. Because No-Fault insurance varies by state, ask your claim representative if this applies to your situation.Ref: Allstate @ http://www.allstate.com/claims/auto-insurance-faqs.aspx
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage fastened to it. Therefore, their insurance should pay any medical bills you may be charged for.
What happens when you get into an auto accident that is your fault and the requests of the other drivers claim is higher than your liability limit on your insurance?
The other driver has a right to sue you to recover any damages not covered by the insurance. It could mean a lien against you and against any property you own. If you have nothing thay can take, let them sue. They can’t get blood out of a stone and they can’t take what you don’t own.
What is liability coverage on auto insurance?
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle harm..
Does liability insurance cover your car if you are at fault?
Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have “liability only” coverage, then their is no coveragefor your own vehicle if you were at fault.
What does auto liability insurance cover?
Auto liability insurance is specifically designed to cover any harm caused to other vehicles if you have an accident. It does not cover reapirs to your own vehicle. It is by law the minimum requirement for insurance in every state.
I got into an accident delivering a pizza and all i have is progressive liability insurance does progressive have to cover the other guys harm to his property if i was at fault?
The insurance is actually PL/PD, which is Public Liability and Property Harm. This coverage is mandatory in most (or all) of the US and Canada, as it is to cover any harm or injury that you cause to the person or property of others. The public liability portion of the insurance is to cover injury or death of the other person in the event that you cause an accident. This may include, but is not limited to, rear-ending someone, hitting a pedestrian, or driving into a store. The property harm covers the cost of physical items, like cars, buildings, telephone poles, etc, that are bruised by your neglect. I believe that if you do not have decent insurance for a delivery driver, then your insurance company may choose not to cover you for PL/PD if you get into an accident while delivering pizzas. I have heard, however, that the specific insurance you need for delivering pizzas depends largely upon whether you wear a uniform, have signs or decals on your car, and how many hours you work or kilometres you drive.. but don’t quote me on that.
If you have only liability auto insurance should your insurance provider help you with a claim settlement against another insurance company after a auto accident?
no – your insurer is under no “obligation” to help you. Best bet is to pursue through petite claims court. if harm is greater than petite claims value – consult an attorney and negotiate a reasonable fee (usually a % of settlement amount and you owe nothing if you lose)
If you are involved in an accident and have auto liability insurance and the other driver does not what are your rights?
Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported albeit law enforcement was called and an accident report was finished. The other party now wants me to fix her automobile. What are my rights in this situation?
Does liability coverage cover passenjures injured in your car during and accident in which your car is the only one reported damagesd?
If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK – the reaction to this is “yes”. The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury even when only one vehicle is involved in an accident. See the related link entitled “accident car insurance” to see all the types of vehicle insurance you can have in the UK and what type of liabilities each type of insurance will meet.
What is the parent’s liability if their child is the driver at fault in an accident?
If the vehicle is titled to the parents then little chance of removing liability from mom and dad. If child is titled holder, and has their own auto policy then very likely the parent’s can separate their own liability.
What is my liability if I am driving my relative’s car and have an accident which is my fault?
Well depends if you had permission to drive the vehicle. If you did then their insurance should cover the harm. But you might be sued over any deductible they may have so I would just suggest to pay the deductible. If their ins does not cover the harm, you more than likely will be sued for the harm.
What does liability auto insurance cover?
Damages to other’s vehicles, property, or persons in an accidentwhere you were foundat fault . In “no fault states” eachperson’s policy covers the other’s damages without requiringdetermination of fault.
Are passengers in your car covered by your bodily injury liability insurance?
passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance
How is my Auto insurance coverage affected after an accident?
Elementary if it is a good auto company then your set and will be taken care of if it is a bad auto company they will burn a fuckhole through your wallet elementary brief: they turn on you
Does liability auto insurance cover your car if you hit a pole?
No. Liability insurance will only cover your liability for property harm/injuries to others. In this case, it would cover the harm to the pole you hit. Your liability coverage will never cover harm to anything you own. You would need collision/comprehensive coverage to cover harm to your car.
A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?
When a car is borrowed (with permission) the insurance of the car holder is primary and the insurance of the driver is secondary. Here, the car possessor has no coverage to pay for the harm to his/her own car, so the driver’s liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn’t have liability insurance, the car proprietor is stuck (unless he sues the driver).
What if you was in a auto accident and you are not at fault but you do not have auto insurance?
Laws may vary state to state. In Georgia it is a criminal offense to drive without auto insurance. Albeit you may not be held liable for property harm or bodily injury to another party, you may face legal activity including fines and possible jail time.
How much can you be liable for an at fault accident with Two parked cars. Your coverage is 5K liability and you estimate the repair cost to be 15K. Will the other guys insurance companies go after me?
Your financially liable for all damages and associated losses. Whatever that amount happens to be. Your insurance policy will pay up to it’s policy thresholds.
If you loan your car which has liability insurance to a friend and he has an accident can other drivers sue you?
This depends on the state. In California if you loan a friend your vehicle and he kills someone with it, then you are also charged with manslaughter!
If your wifey is killed in a car accident that was not her fault how does the insurance works?
In the United States, you see a lawyer. The Insurance Company offers you the least amount possible. The lawyer may be able to get you a lot more money.
What to do when no liability or car insurance in car accident?
Time to dig into your savings and pay the claim yourself or you can find your drivers license suspended for the next Ten years or until you pay off your debt from the accident, whichever comes very first.
If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have utter coverage insurance, your car will be repaired totally and your portion of the repairs will be whatever your deductible is.
What is the insurance company responsibility to help you when you have an accident and its not your fault and you only have liability?
A liability insurer has two primary duties to an insured who has been sued: (1) a duty to defend; and (Two) a duty to indemnify. The duty to defend means that the insurer is obliged, at its own expense, to hire counsel to defend the insured provided that the allegations of the lawsuit come within the ambit of the coverage of the policy. That is, for example, the liability coverage of a homeowner’s policy will not be triggered to defend you if you are sued for an automobile collision. If you have not yet been sued, but a claim has been asserted (such as by a request letter from the aggrieved party), the liability insurer is obliged to investigate the facts of the claim. Most individual liability policies give the insurer the right to lodge claims without the consent of the insured, so it may also make a payment to the claimant. The correlative obligation of the insured is to timely notify the insured of all claims made against him/her/it, forward suit papers, and cooperate with both the insurer and the attorney hired to defend the suit. The cooperation includes meeting with the attorney as needed, responding to requests, attending depositions, attending trial, and other activities. The 2nd main obligation of a liability insurer is to indemnify the insured, meaning, to protect him/her/it from financial loss. This involves paying damages for which the insured may be found legally liable (within policy boundaries). Again, the insurer usually has the right to lodge claims when it deems it in its and the insured’s best interests to do so. Indeed, the insurer has a specific duty to lodge claims within policy thresholds when it is possible to do so (that is, when the claimant will accept that amount of money in comeback for a release of the insured of further liability).
Does Liability insurance cover your medical or the person with you in the accident?
Liability covers the other person that you harm. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.
Does Texas liability insurance cover if the two cars involved in the accident are register under the same persons name?
Here is the problem with that, “It is not legally possible to be liable to ones self” So no, liability only coverage will not cover harm to your ownproperty, That’s what the comprehensive and collision coverage isoffered to you for when you purchase your auto insurance. Comp andCollision provides coverage for your own property, Liabilityprovides coverage for property and injury of others. If you bought liability only, there is no coverage for your ownproperty. Reaction: It should, and if it doesn’t, there should be other parts of thepolicy that can pay out. Coverages such as uninsured motorists ormedical payments.
Does liability insurance cover death in a single car accident?
Liability coverage is “third-party” insurance that pays for injuries or death to another person as a result of the insured’s negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence. Therefore, if the theory of the negligence was, for example, that a landowner created a dangerous condition that proximately caused the single-car collision, the landowner’s liability insurance could arguably be triggered so as to cover the incident. If a passenger was killed in a single car collision, the driver/possessor’s liability coverage may be triggered if the driver was negligent in the operation of the vehicle.
Will the Insurance Company pay for a rental car if the accident is your fault and if you have total coverage ins?
Only if you have bought the extra coverage to have a rental. “Utter coverage” usually just means you bought liability, comprehensive, and collision insurance.
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 “Private 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.
Can you sue your insurance co for an accident where you were at fault but you were injured in that same accident and need medical attention will your co pay under your liability or is it on you?
Let’s break down the question: 1. If the other party did not have liability insurance, but you had unsured motorist coverage, in theory you could make a claim against your own insurer. Two. The factors that your insurer would consider in evaluating the uninsured motorist claim include fault for the collision and the nature and severity of your injuries. These are the same factors that the other party’s insurer would consider if he/she had liability coverage. Trio. Most, if not all states require the registrant of a motor vehicle to have, at a minimum, :no fault coverage”. This pays for a portion of your medical expenses and a potion of your lost wages if you are involved in a collision. Fault for the collision is irrelevant, hence the name. Four. There is no “co-pay” under auto liability coverage. The closest thing to it is that in some commercial liability policies, there may be a self-insured retention. This is the amount that the insured has to pay toward the other part’s damages before the liability coverage is triggered.
What do you do if you get into a car accident and have no insurance and your at fault?
Plead and Pay. You will be responsible for all costs associated with the accident. If you don’t have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should attempt and work out a payment plan with the insurance company. Depending on the state you live in you will very likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in utter. You may be able to get a limited permit to go back and forward to work only.
What if you have no liability insurance and have an accident?
Well, generally you get a fine (ticket) to pay, Most states will now confiscate your vehicle and suspend your drivers license. If you were at fault in the accident you can also be sued by the other driver and any passengers that were injured.
What does liability car insurance not cover?
Liability automobile insurance only covers harm caused by you to another party for their bodily injury and property harm caused in an accident where you were the fault. The coverage is limited by the policy and the amount of coverage purchased. For example, the insured may have 25/50/25 which means the maximum that the company will pay for damages on your behalf is $25,000 per person for bodily injury with a maximum of $50,000 per accident for bodily injury, and a maximum of $25,000 in property harm. Liability also comes in CSL or Combine Single Thresholds where you may have purchased an amount such as $100,000 per accident no matter what area it is needed to be paid.
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.
What if both parties only have liability insurance after a car accident?
If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your….and vise virsa.
Does liability coverage cover the person driving and causing the accident?
Liability coverage offers coverage for bodily injury and property harm to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.
Does liability cover your car if the city is at fault?
I would need more information to give you the best reaction but let me guess at what you might mean. If the City is truly at fault then their commercial insurance would pay for the damages.
What does the liability portion of auto insurance cover?
Caution Laymans Response! Basically Liability is to cover harm done to outher people andother peoples property.
Will ct auto insurance cover accident if car was unregistered?
Normally, an insurer will require that all requirements of the law be complied with in order to issue a policy. This would include decent registration of the vehicle.