By paying for it out of your own pocket.
If your car was wrecked then repossessed can you use the insurance check to fix the truck or do you have to give it to the finance company?
Most likely the check will be made out to you AND the LENDER. The insurance check will most likely have the lender name on the check. therefore, the lender will either use the check for the original intent, to have the repairs made, or keep the check and salvage the vehicle holding you responsible for any shortage in the original loan value. by the same token you should be refunded any money if the check exceed the balance of the outstanding loan.
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?
Is the driver at fault insurance company responsible to fix your car at a figure shop of your choice using only OEM parts?
You will have to check your state law on this. If it is a no-fault state. Then your insurance will repair your vehicle and then bill the other driver’s company. I am not sure of the procedure in a “fault” state. You could attempt contacting your insurance agent or any auto insurance agent in your state.
Who is at fault if an underage driver wrecks a car and no other car is involved in the accident?
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
If you loan your car to a friend and they wreck your car is your insurance responsible?
yes. plain and plain. you lent the car and then they are a permisable driver. As long as they are not n excluded driver or a resident in your house..
It depends, if your policy is a named driver & the driver is not named, your policy will not react. If your policy is a standard auto policy then yes, your policy will react.
Will your premium increase in the ratio of the amount insurance is paying to fix the car whether it is your fault or not?
Some insurance companies have “accident forgiveness” and others don’t. Even if an accident is not your fault, you are now viewed as a higher risk. You may be able to cancel the claim and fix the harm yourself, but you should do the math very first. Figure out the cost of repair versus the difference in your monthly bill for Trio years. Take the road with the lower cost to you..
The question is does premium increases in the ratio of amount insurace carrier is paying to fix the car?
What happens if you’re in a car wreck without car insurance?
If you got into wreck WITHOUT an Insurance. This is going happen to you is going face in court for No Insurance your car. there some State have Stictly law about without no insurance can cause your Insurance go Higher. best is get insurance on your car with fully coverly. that will save your neck from court.
Can you fight your insurance company in a your fault accident after they immovable your car when it should have been totaled?
Absolutely! Regardless of fault, if you carry sufficient coverage (collision/comprehensive) you are entitled to have your vehicle either repaired to a “safe” standard, or a write-off payment received. The difficult part of proving such is in the time boundaries. DO NOT wait too long to seek a claim for a total loss. There is always the cargo of proof in this case, where you may have bruised your vehicle “after” the fact, and after such repairs were made. Note any evident harm, (eg. Doors not opening decently, engine problems) and have a certified assets shop/mechanic inspect the vehicle RIGHT after the initial repairs are made..
Generally an insurer will have an appraiser re-evaluate the damages to see if indeed, they were caused by the accident.
How do you get rid of a wrecked car with no insurance?
call local salvaging companies. many will take cars for free. also look into donating the car for local charity groups. Another response: The local junk yard paid me $ 25.00 for my chunk of junk and came and picked it ip.
What happens if you are involved in a wreck it’s not your fault and the cost to fix the car exceeds the value?
That other insurance company will very likely total out the vehicle, depending on the company this could be: actual cash value minus your ded and taxes or blue book value minues ded and taxes or you can salvage the vehicle and buy it back from the ins company
You reside in Kentucky no fault state and have a wreck but persons insurance says theyre at fault and youre not. Do they have to substitute your car with one of exact value at time of wreck?
An insurance company is not required to provide you with any vehicle of any exact value..
They are required to compensate you at fair market value for your loss. Fair market value may be higher or lower than what you perceive as the actual value of your loss..
If the vehicle is a total loss, then it is generally up to you to go shopping for a vehicle of your choice.
You have insurance but they dont want to pay for the wreck and harm to the other car to get immovable so do you pay for it out of your pocket?
By law they have to pay for it! That’s why you have it.
If you are drivng another persons car with permission and have no insurance but the car you are driving is insured will the car insurance pay to get the car immobilized since you were at fault?
This is different from policy to policy. You need to check the possessor’s policy to see what is covered. If the possessor didn’t pay for such coverage, then the harm is not covered..
Provided the proprietor is paying for comprehensive and collision coverage the harm will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.
What happens when you get in a wreck with no insurance but its not your fault?
In the UK, if you are involved in a Road Traffic Accident that is not your fault but you are not insured for third party, the law assumes you are at fault and you may face civil act from the injured party. You may also face criminal charges for driving without insurance.
If in a wreck and my fault with no insurance?
If you were at fault for the accident you are responsible for the damages to the other person’s car. If you are unwilling to pay they can take you to court and link a lien to your property, garnish your wages or otherwise force you to pay for the damages you caused.
Who’s at fault if you permit someone to drive your car and they wreck it?
If you gave permission for the person to drive your automobile, you (as the possessor) and the driver could be at fault.
Does my insurance company have to fix my car when if I’m at fault?
If you have a third party only policy no. If you have a comprehensive policy yes..
If you carry “collision insurance”, your company pays no matter who is at fault. It’s pretty much mandatory coverage if it’s a fresh car so the lender can protect it’s investment.
If a non-owner of a vehicle has a wreck and harm to the car hit is paid by the proprietor but there is no collision insurance on the vehicle at fault can the drivers insurance be responsible in Tennesse?
No, The vehicle proprietor chose to accept the risk associated with not having collision coverage. You can not use someone elses policy to cover the owners collision loss.
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.
You wrecked your friends car it was your fault they had no insurance nor do you what type of insurance do you need that will cover you when you drive some else’s car?
You can buy a “Non-owners” or a “Named Operator” policy that will cover the harm you cause to the other party for injuries or property harm to the other vehicle. The only way to cover harm to the vehicle you are driving is to have the possessor of the purchase a traditional auto insurance policy, with comprehensive and collision coverage, and then list you as a driver on their policy.
If you get into a wreck and you were the one in fault and the other person does not have insurance what will happen to them and will your insurance cover it?
Every state is different. Where I live, if you are the responsible party in the wreck then your insurance has to repair the vehicle that you hit. You will be responsible for paying your deductible to have your vehicle immobilized. Also the driver without insurance will be ticketed by the authorities if they are present.
If an uninsured driver wrecks an insured vehile what happens when it is consider no one’s fault in the wreck?
This is often a means for the insurance company to cash in on both sides of the claim. If the uninsured driver caused the collision then they need to be charged by the police or the party who was hit needs to request charges pressed against the party at fault and this needs to go through court, in the mean while the insurance company needs to be told that they cant proceed until the trial is ended and a judgment transferred out by the courts. In the case of one State or Province having one insurance company this is often done to lodge claims quicker and dual end the cost to two drivers or two insured parties. There is no such thing as a no fault motor vehicle incident, someone is always at fault and the police should be involved so that no one gets hosed by the insurance company. Dont lodge call a lawyer
How long does someone have to sue you after a car wreck when your at fault?
Depends on where you live. I think the standard is they have up to one year to file suit in most cases.
What if you are in a car wreck with no insurance and the other driver is at fault?
Doesn’t matter at all. You are required to have insurance and the fact that the other driver may be responsible does not protect you at all.
What if your in a car wreck and its your fault and you are underage and no permit?
very first when your in a car accident never admit it was your fault…you will undoubtedly have to pay for it then. if your underage and no permit you will most likely have a set back in getting your license and your parents may have to pay compensation
If an insured person permits an uninsured person drive her car and the uninsured driver has an at fault wreck who pays?
The Driver “and” the Vehicle Holder are both jointly and severally liable for all damages. She should contact her Insurance Agent for advice as to whether or not the Auto Insurance Policy will provide coverage for the unlicensed driver
Car is at fault but they have no insurance?
I can tell you what happens in the State Of Alabama… Where we have a MANDATORY insurance law… To “protect” the law obiding, insurance carrying citizens from suffering a loss due to an uninsured motorist…..
Even however we have a LAW, it is a paper tiger..
I have dialed numbers until my fingers are blistered. I have talked on the phone until my ears are sore and my mouth hurts. In the end, I have been transferred, given wrong numbers and told to contact my congressman to “strengthen” our mandatory insurance law..
I did find out one thing tho’, we have a form called an SR-13 that can be downloaded from the Alabama Dept. Of Public Safety website. Even however this has nothing to do with the law or disturbance of it, it is tied to an old law that protects people from suffering a loss in the event of an accident with someone who has no insurance. Basically, their license will be suspended from anywhere inbetween Two and Ten years. Depending on the circumstance. If you are in Alabama, call the Dept. Of Public Safety and ask about this form or go to the website… http://www.dps.state.al.us/ and go after the quick links.. If you’re not, contact the same department in your state and embark there. Hope this helps.
Can a car insurance insist on paying the value of the car rather than fix the car if the accident is not your fault?
Yes, car insurance can pay the value of the car instead of fixing it. This will happen when the cost to fix it is greater than the current value. It is then not worth fixing, from a financial perspective. This is what is meant when you say that your car has been “totaled” (it was a total loss).
If you had your granddaughter car insured and she wrecked it is the car covered?
It depends on the type of insurance coverage. If it was Liability insurance only, and she caused the wreck, then it is not covered. If it was Collision coverage, and she caused the wreck, then it would be covered. If she didn’t cause the wreck, I’d check with the insurance company of the person who did cause it.
You live in Michigan you had an accident with a leased car with full-coverage insurance and it was their fault Will they pay for your car to get stationary?
There insurance will cover the cost of repairs to your vehicle. This works with any vehicle even if it is a rental.
What happens if you wreck a car that you dont insure?
If the vehicle has insurance it will cover harm to the other vehicle but not the one you are driving. Now if you have insurance on another vehicle your insurance will cover the harm to the vehicle that you where driving even however it is not on your policy.
What do you do if you get into a car accident with no insurance and you are claimed to be at fault?
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
How can you get money after a car wreck without insurance?
Who is it that doesn’t have insurance (your, or the ‘other’ person)? If you don’t have insurance and are at fault there is no way you can receive any money for the car. If ther other person involved is missing insurance then you will still be covered if you pay for collision or uninsured motorist.
What if one insurance company mine not at fault said the car is a total loss but the other insurance company the at fault said they can fix it?
As far as i know the not at fault Insurance decision will prevail over the the one at fault. Besides there are certain “rules” that all insurance companies goes by when they take a determination whether or not a car is totaled. If by any chance the insurance companies can’t agree they go to an arbitrary service provided by state for insurance companies and they can come to a decision.
Car was wrecked no insurance still owe on loan does bank make you pay for fixing car on top of loan?
I am not a lawyer but any car loan I have ever signed, the following are true. The car is the collateral for the loan. The loan company a.ka.,the bank, is the holder of the car and holder of the title not you. I also make the promise that I will maintain what we call collision (accident loss) and comprehensive (theft, vandalism, weather etc. loss) which protects the bank from loss by insuring the vehicle is paid for in the event of a loss. The State mandates I carry my liability coverage. So I gather in some parts of the country this would be called total coverage. The other significant issue is because the car is in fact wielded by the loan company they are listed on the insurance document as the 1rst loss payee. So if in fact you are insured the loan company will be paid very first. You promised to pay the loan company x dollars when you signed the note. Nothing will relieve from paying that amound plus accrued interest. If the settlement is not enough to cover the outstanding loan balance then you owe the remainder. If you cancelled your insurance or let it lapse for non-payment then you are already in default on the loan just has if you had missed payments. Per the terms you signed the loan company can request instantaneous payment for the entire outstanding balance on the loan and begin whatever processes it needs to collect that money including its legal fees to collect the money. All of this will affect your future insurance rates and your credit score. In most but not all states things like credit rating, insurance spectacle (cancellations, non payment, length of continuous insurance etc) will affect any insurance premium or loan interest in the future. You need to be upfront with everyone, take your financial hits and stir on. It will only get worse, You see a lot of this issue. The lesson here is don’t by more care than you can afford and insurance payments are every bit as significant as your car payment. They are not an option. Never buy a car that puts you under water. That is you owe more than the car is worth. Generally this means putting down some kind of reasonable downpayment (my private guideline is at least 30% of the purchase price of then vehicle) , never finance a fresh car for more than Four years or used car for more than Trio years unless it’s a vehicle that holds value utterly well like a fresh Mercedes. If you the find the payments plus the insurance are exceeding your budget, time to sell it and buy something with in your budget before trouble hits. Just because someone offers you a car loan with a 1000 down and finance the rest, doesn’t mean you should take it. In fact you should run. This fellow cares more about his commission than your financial well being. Unlike buying a house which is usually an appreciating asset, a car is a depreciating asset or expense.
If you hit someone with no-fault insurance will your car be immovable?
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
A car wrecked in your yard and bruised your culvert and trees can i get her insurance to fix it?
You can most likely get her insurance to fix the problem. How you go about it depends on local law. In this state if you have homeowners insurance, you call your own insurance company. They come out and make the adjustment. They take it up with her company. In other states, you would take it up with her insurance company. I do not know the laws of all 50 states in the union as well as those of all nations in the British commonwealth. Call your own insurance agent and ask how to proceed.
Who is at fault in a Five car wreck that embarked at the front – you were car?
Fault is typically determined by police reports and accident witness(es). In a rear end accident the vehicle striking another in the rear is typically at fault. With numerous cars it is up to the reporting police officer to determine fault.
How much will auto insurance be after car wreck?
If it is found to be your fault, then your insurance could go up. If you are found to be at fault, then it shouldn’t.
How does a novice embark to fix his wrecked car?
Begin by evaluating the framework. If the framework is leaned…foreget it. It will never be the same.
Can you force the other driver’s insurance pay to fix your car instead of totaling it when the accident is their fault?
No, The law does not require an insurer to pay more than the value of the loss.
What do you do if you get into a car accident and have no insurance and your at fault?
Beg 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.
When a person is at fault for harm to my car and their insurance co gives me the money to get car immobile do i have to use that money just for that purpose or is it mine to keep?
As long as you do not have a lien on your vehicle (still owe money on the car or truck) then you may do what you wish with the money. It is not required that you repair the vehicle and is your decision.
What happens if you wreck with no insurance an it is your fault?
You will be responsible for the repair of your own car, if it is repairable. You may also be financially responsible for all damages (including property harm and bodily injury) sustained to the car and occupants of the other car. Depending upon the severity of the damages, the Financial Responsibility Law of the State in which you have your license may suspend your license and tags. If the other party had insurance that pays for the repair of the other car, and/or pays uninsured motorist benefits (for bodily injuries) can sue you under a theory of law called “subrogation”. In effect, the insurer inherits its insured right to attempt to recover from you the insurance benefits that it paid.
What happens with the insurance if you get in a wreck and its your fault?
We typically contact our insurance company and report the accident and the circumstances. That way the insurance company can pay the bills for you. Responsethe insurance company raises your rates and pay a deductable
Will your insurance cover your car if you were at fault?
If you have utter Coverage Auto Insurance, Then the Comprehensive and Collision portions of your coverage would pay for damages to your own car. If you just have liability insurance only. Then you just have coverage for the other car and there is no coverage for your own vehicle.
Can you sue your dad insurance for wrecking his car?
If his insurance wrecks his car, then I am sure that he can. Was his insurance driving buzzed or sober?
What is the meaning of no fault car insurance?
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
What are your options if you get in a wreck with no insurance and not your fault and vehicle is financed?
If you were injured in the collision, and have health insurance, one option is to seek medical care and submit the claims to the health insurance insurer. Even if you were not hurt, you could make a claim against the at-fault driver and the proprietor of that car. If you were hurt, keep in mind that most States limit claims against at fault parties to cases in which you, the injured party, sustained a permanent injury. Permanency is determined by the treating physician(s).
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.