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Is there a deductible on comprehensive auto insurance?

Is there a deductible on comprehensive auto insurance?Yes. Most insurance companies do have a deductible for this kind of insurance. Most deductibles are 500. This can be a normal charge for a deductible.

What are the definitions for liability insurance medical payments insurance uninsured motorist comprehensive and collision for auto insurance?

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Liability insurance: The coverage found on any auto policy that treats harm you cause to another person’s property, either directly or indirectly with your car..
Medical Payments Insurance: Can be either Medpay or PIP. PIP — or “private injury protection — is required in many states, and essentially treats your medical bills in an auto accident, regardless of who is at fault. (summary:will re-attach your fingers if chopped off in a accident).
Uninsured Motorist: Can be for either property harm or bodily injury, and essentially makes your carrier step in when the at-fault party is either uninsured or doesn’t have enough coverage to treat all your damages. Most people have UMBI (for bodily injury), and mistakenly believe it covers property harm to their cars as well. It doesn’t. (summary:will pay for your loss of income as you are an architect whos fingers were cut off and had to miss work for two months while in physical therapy).
Comprehensive: A voluntary coverage that, along with collision, constitutes “total coverage” on a vehicle. This is for “non-collision” type accidents, even when you collide with an animal. Essentially, it’s to protect your car when you aren’t at-fault for a loss. Includes coverage for hail, flooding, etc..
Collision: Another voluntary coverage, which treats collisions or overturns involving your vehicle. This is triggered whether you’re at-fault or not for a loss, in that it’s specific to your vehicle colliding with another object or overturning.

What does comprehensive auto insurance cover?

Comprehensive auto insurance covers theft, fire, vandalism, weather harm, riots, and other similar acts which may cause harm to a vehicle. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, or harm due to improper maintenance. Comprehensive is Fire, Theft, and Vandalism (and also if you collide w/ an animal)

Will your premium go up if you file a claim on your comprehensive auto insurance policy?

It truly depends on the circumstances of the claim, and if you were at fault. If you were at fault, and you need to use your comprehensive/collision to pay for your damages you very likely will be looking at a noticeable increase unless you are over 35 and have never had an accident it may only go up by a few dollars here and there. If you weren’t at fault but require the use of your coverage to pay for your own damages because the other person had no insurance depending on the severity you MAY be looking at an increase but depending on how much coverage you elected or how high your deductible is it may not increase. Like I said it varies from case to case and rules, regulations are a fluid thing often arched and not followed up with. There’s no definite for every script. Hope this helps.

How can you obtain collision and comprehensive auto insurance on a vehicle with a salvage title in NJ Can you insure it under your homeowner’s policy?

Homeowners insurance does not cover vehicles used on public roads. It should not be a problem. Geico insures salvage cars, as do mostinsurance companies. Just recall the car is worth less as asalvage if it’s re-totaled the actual cash value of the car isabout 40% less than a comparable clean titled car. And it’s easierto re-total the car a 2nd time since it’s worth less, so minordamage may re-total it. Lesson: don’t pay too much for salvage carsand don’t get in an accident! **14Jun11- Just called Geico and they said will insure my SalvageTitle here in Fresh Mexico, but will also permit me to addComprehensive to the policy. The company I am presently with will also insure the vehicle forliability but WILL NOT insure for comprehensive. The choice is to go without comp or switch companies. You determine!

If you have utter coverage auto insurance and you harm another vehicle and not yours do you have to pay a deductible?

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It is the liability portion of your auto policy that pays for the harm to another vehicle that you hit. There is no deductible to fix the other car.

What is collision and comprehensive on an auto insurance policy?

I am a licensed insurance agent. Comp is if your vechile is stolen, or bruised by something other than a car which you will have to pay the dec. Coll is if you get into a car accident and say the person did not have insurance then your coll would kick in. But in most cases there property harm will cover you depending on the state. I am from Florida and it is a no falt state so it doesnt matter. You need to check with your agent and see your dectibable. I would suggest uninsured motorist just in case they don’t have insurance your medical will be paid. But that has nothing to do with the com/coll. hope it helped.Tammy

What does auto comprehensive insurance cover?

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Comprehensive is Fire, Theft, and Vandalism (and also if you collide w/ an animal)

Does comprehensive coverage for auto insurance cover a hit and run of your parked car?

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yes it does but you will be claiming off your own insurance and may liberate your no claims discount if you have one..
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Yes it can be used but the deductible WILL apply, and your rates may increase if you put in a claim. (as unfair as that may sound)

What is comprehensive insurance?

Comprehensive Insurance is a term used for a multiplicity of insurance policies suggesting a broad protection. In car insurance, it is coverage which pays to repair or substitute the policy possessor’s vehicle and private property inwards of it if it was bruised or lost due to other agents, such as fire, theft, flood, or vandalism. Comprehensive insurance is an element of car insurance that pays for damages to your vehicle caused by anything other than a collision, including vandalism, theft and natural disasters.

What does ‘symbol age group’ on comprehensive auto insurance mean?

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Companies use rating symbols for various things. Normally the vehicle symbol for comp/coll is based on the fresh purchase price of the vehicle. The higher the number the higher the insurance will cost. Some companies have their own symbols assigned to vehicles while most use the ISO (Insurance Services Office,Inc.) standard symbol.They also use your age in rating and you marital status in pricing auto insurance. A symbol will be assigned your vehicle when fresh and can go down over time depending on the replacement cost of the vehicle. For example ISO symbol for an Infinity M35 AWD is 22 for fresh cost but, 21 for a 2005 model. Another example is a symbol of Ten for some Ford Ranger pick ups while a symbol for most Mercedes are 27.

What happens to an auto insurance premium when a deductible is lowered?

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Response .
Depending on your driving record, there may be little switch in your rate, however when you do utilize your insurer for a claim, you’ll pay less out-of-pocket..
If that is the only thing switching, decreasing the deductible will increase the premium. They have other expenses to service your policy, so the calculation isn’t this ordinary, but if the insurance company’s statistics predict you will submit 1 claim for $1000 harm every ten years, theoreticly they could give you free insurance if you selected a $1000 deductible since they would expect no payouts. If you lowered the deductible to $500, then they would expect to pay $500 sometime in the next ten years and would want a premium of $50 a year..
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If a deductible is lowered the premium usually goes up

Does comprehensive auto insurance cover harm from road debris?

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It depends on the terms of the insurance and the type of harm to the vehicle. Contact your insurance agent for the terms of your insurance. In general, it should.

Is there a deductible on comprehensive auto insurance?

What is comprehensive auto insurance?

If you are in the process of quoting auto insurance, chances are the term comprehensive coverage has come up fairly often. Comprehensive auto insurance coverage is a coverage that will pay to repair or substitute your vehicle in the event of a covered loss up to the fair market value of the vehicle. Covered losses that fall under comprehensive include: fire, theft, vandalism, hail, and wind harm. Falling objects and hitting a live animal also fall under comprehensive. If you are financing your vehicle, you will be required to carry both comprehensive and collision coverages to sate lender requirements. The state does not require comprehensive or collision coverage.

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Does comprehensive auto insurance cover transmission work?

Not unless the transmission was bruised in an auto accident. Auto Insurance does not cover maintenance nor does it cover normal wear and rip.

When your insurance said comprehensive less deductible 1000 what does that mean?

The deductible is the amount of money you will pay out of pocket before the insurance coverage kicks in. If you have 900.00 in damages, they wont pay anything. If you have 1500.00 in damages, they will give you 500.00..
Less meaning – minus the deductible

Is your deductible waived on a comprehensive claim?

What? Why would it be? The comprehensive deductible is your retained limit of an occurance so unless you have a policy with a diminishing deductible or some other policy benefit that would waive a deductible it applies to each and every claim.

Does auto insurance comprehensive cover rodent harm?

currently going thru this. State Farm says they will cover, but don’t do anything to vehicle until they have an adjuster/claim rep assess harm

Does auto comprehensive insurance cover rodent harm?

Evidently some do. I just had the same problem and Progressive covers it under my comprehensive insurance. The deductible applies. It was categorized as not at fault so no effect on premium.

Does auto insurance comprehensive cover water harm?

water harm is only covered through total coverage if you have it and just so happens to run in a pond or something.

Can you get your deductible back when your auto insurance is subrogating?

Yes. In many cases your insurance company may waive your deductible if the third party’s insurance company accepts liability.

What is the collision deductible for in auto insurance?

You are able to chose your own deductible, but you have the car financed or leased, they may dictate the maximum limit.

Can insurance deductible be deducted?

Unreimbursed medical expenses are only deductible in the year that they are paid as a part of all other unreimbursed medical expenses on the schedule A itemized deductions of the 1040 tax form subject to the 7.5% of adjusted gross income limit. The amount over the 7.5%limit is added to all of your other itemized deductions on the schedule A tax form.

Does my USAA auto deductible collision and or comprehensive policy cover damages from someones pushing my car with her car with my permission?

Idiot! Why do you think I asked the question? Do you think I would have spent the last three hours attempting to have you & your totally incompetent staff provide an reaction locally or beyond for me, had I had known the response? Refer yourself(ves) to the nearest mental institution or brain transplant hospital! BUT 1ST Response THE QUESTION! or refer it outside for an reaction.

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.

Does comprehensive auto insurance cover water harm due to roof leak?

NO, Your Auto Insurance does not cover maintenance or manufacturing quality issues. This could be a defect you might look to your auto warranty for correction.

Is there a deductible on comprehensive auto insurance?

What is a deductible in auto insurance?

A deductible in any kind of insurance is, basically, the minimum amount before the insurance “kicks in.” On any repairs covered by your insurance, you will have to pay the deductible amount before the insurance will pay anything.

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 comprehensive on my auto insurance cover theft?

Yes, as a rule and possibly in all known policies. If you have any doubts read your policy or call your agent.

Is there a deductible on liability auto insurance?

Not with respect to individual auto insurance. However, when commercial auto insurance is involved, especially fleet coverage, there sometimes is. It is not called a deductible, but a “self-insured retention”. The insured selects an amount that it is willing to pay toward the indemnity of a third party before the insurer’s obligation to pay is triggered.

Does auto comprehensive insurance pay off and substitute auto?

Not as such. What you owe on your vehicle has nothing to do with the auto insurer’s liability, except to the extent that the lienholder is usually named on the policy as a loss payee. If your vehicle is deemed a total loss in a covered incident under comprehensive such as a fire, theft, etc. then the insurance company will pay per the terms of the policy. As stated in the policy, the insurance company has the option to repair, substitute, or pay the actual cash value of your vehicle. Actual cash value will be paid if the reasonable cost of repair exceeds a stated percentage of the actual cash value of the vehicle. That percentage is usually set by state law. Actual cash value harshly equates with market value of a similar vehicle in similar condition and similarly tooled. If the vehicle is proclaimed a total loss, the insurer will pay the lienholder very first and if the car is worth more than the loan balance the remainder will be paid to the insured. If the loan balance is more than the value of the vehicle, and thus, what the insured pays, the insured is responsible for the balance. then you have a problem. The company will pay the entire amount to the loan company but then you will still owe the balance to the loan company or bank. One of the ways to protect yourself from being responsible for the difference inbetween what the insurer pays and the balance on the loan, is through GAP insurance. It is a separate policy, for a separate premium. It pays the difference inbetween the insurance settlement and the amount remaining on the loan. It is usually suggested when the car is purchased and financed, but can generally also be obtained after the fact from a property and casualty insurance agent.

Does comprehensive auto insurance pay off and substitute the vehicle in the event of auto theft?

Comprehensive is the coverage that would pay for the theft of a vehicle. The policy spells out the insurance companies options on payment. On any claim, the insurance company has the option to repair, substitute, or pay the actual cash value of the vehicle in the event of any loss. Generally they do not substitute a vehicle but pay the actual cash value less your deductible then permit you to purchase a replacement vehicle. As a matter of utter disclosure, I own and operate a petite Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company. As for the payoff of the loan on the vehicle, the insurance company will have to issue payment to the bank up to the amount owed on the vehicle. The amount they pay has nothing to do with the balance on the loan. If you owe less than the ACV then the balance will be paid to you. If you owe more than the ACV then you will have to pay the difference to the bank or finance company.

Will your comprehensive portion of my auto insurance cover your bruised transmission if you went over a curb?

No, that would be a collision, and would be covered under the collision portion of the policy, and the collision deductible would apply. Collisions are also considered a chargeable claim for rating and insurability purposes.

How is auto liability insurance different from comprehensive insurance?

Liability insurance only covers someone else in the case that you are responsible for damages caused in a collision. Comprehensive coverage will cover a driver that you hit, as well as cover yourself for any damages inflicted during a collision.

What does comprehension mean in auto insurance?

It is other than collision insurance. It covers hail, stolen vehicle, hitting an animal, and vandalism.

Does comprehensive auto insurance cover roll over due to black ice?

No. This would be a collision claim because all roll-overs no matter the cause are collision claims.

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 is the difference inbetween total coverage auto insurance and comprehensive and collision insurance?

This is a good question. Total coverage was a term that used to be used in insurance to describe a policy that had liability, comprehensive, collision and any other endorsements that the client wished such as rental coverage and whatever else. Due to it being the day of suing over everything we don’t use the term any more because too many attorneys have wooed people that utter coverage had to mean every possible coverage that there is and then some even tho’ the person knew what they bought. No individual responsibility for reading the policy or at least the declarations summary page, just sue. So now we don’t say utter coverage any more, we name each coverage separately.

Is there a deductible on comprehensive auto insurance?

Will comprehensive auto insurance cover a claim if a tow truck damages your car in transit?

I would say that the tow truck is liable for this claim. This is also what your insurance company will say even if they go ahead and pay the claim to keep you glad. Most of the time your company will pay then they will subrogate against the responsible party. If you have comp and collision then their is no issue. If you have comp and not collision then issue of what happened may come into play.

What is a dual deduction in auto insurance?

The deductible will dual if the loss occurs during a certain timeperiod. So if your deductible is presently $500, you will pay$1,000 before the insurance will pay any amount. Typically thisapplies only for the very first two or three months of a fresh policy.After that, only the $500 will apply. The benefit of selecting adouble deductible policy is that it lowers your premium.

Is there a deductible on comprehensive coverage auto insurance?

Usually there is a deductible on comprehensive coverage auto insurance. The deductible can range in different amounts usually from 0 to $1000 or even higher if it is a very expense vehicle.

What is the average deductible for window and glass in auto insurance coverage?

The average deductible for window and glass in auto insurance coverage ranges anywhere from 0 to 500 dollars. There is no set number as all insurances have different payment schemes.

How significant is it for comprehensive insurance coverage to be listed on free auto insurance quotes?

It is significant for comprehensive insurance coverage to be listed on a free auto insurance quote, so a person can get an accurate quote. A person would not want to expect to pay one amount and have to pay more.

What is the best price for fully comprehensive auto insurance as a triple A member?

The price depends on the dealer. Different dealers are different, so the prices are vary. The dealer may give you a deal if you can bargain for a lower price.

What are the deductibles of auto insurance?

Typically, auto insurance deductibles come into play with respect to collision and comprehensive coverage–both of which apply to physical harm to the insured vehicle. Some States also permit an insured to elect a deductible with respect to No-Fault coverage. This coverage is required by law in virtually all States. The rules concerning No-Fault deductibes are prescribed by law because the coverage is mandatory. Deductibes of all types can be likened to self-insurance. That is, the insurance company’s responsibility to pay does not link or begin until the deductible amount has been reached. For example, if a vehicle possessor has a $500 collision deductible, and physical harm to the car is $1500, the insurer would pay $1000 and the insured would be responsible for $500. Stated otherwise, the insured “self-insures” for the very first $500. Physical harm deductibles come in various amounts, but are fairly standard inbetween companies. Deductibles can range inbetween $100-$500 or more. Generally, a higher deductible translates into a lower premium because the insurer’s responsibility for payment does not link until after the deductible amount has been reached.

Where can one find comprehensive details on auto insurance plans?

One can find auto insurance plans from major insurance companies such as Geico or Progressive. It is recommended to get numerous quotes before determining.

What kind of damages does comprehensive auto insurance cover?

Comprehensive auto insurance will cover a driver for car accidents and injury caused by them. It will also cover harm from weather incidents, vandalism and fire, as well as theft.

Where can one buy comprehensive auto insurance coverage?

One can buy comprehensive auto insurance at pretty much any company that specializes in insurance policies. Some of the most popular companies include State Farm, Progressive, Allstate and Esurance.

What is included in comprehensive auto insurance coverage?

Comprehensive auto insurance coverage covers the different types of events or accidents cause by falling objects, animals, extreme weather, theft, vandalism or riots. But it does not apply to any types of accidents with other cars.

Is a bruised key covered by my comprehensive auto insurance?

Most likely not. The main reason is that the cost to substitute a key will not be enough to exceed whatever deductible you have. The main issue to consider on any claim is what caused the loss and the claim must be caused by a covered loss.

If i have a 750 deductible but i have utter coverage auto insurance?

You will be covered for just about anything but still asked fordeducible usually if you are at fault

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