Generally, if you were in CA and I am assuming you are not talking about a fender bender or minor accident, you would lose your license and be required to make a filing to reinstate your license.
In order to maintain your license you may be required to file what is called an SR-1P or an SR-22 which is simply proof you have insurance in place. If your insurance expires or you let it lapse, the insurance company will notify DMV and your license will be suspended again.
Now you said the car you hit has insurance. This could mean they (the insurance company) will very likely attempt to go after you to recover damages they had to pay on your behalf. You are still responsible!
Can you get total coverage insurance on a salvage title car in Louisiana?
My insurance provider, Hanover, told me that they would only write liability coverage, and not total coverage on my truck that was flooded and totaled in Fresh Orleans.
What happens if someone who is not on your insurance has an accident with your car?
Some aspects of the response depend upon the state in which you live and the law to which it adheres. For example, in many states, the proprietor of the vehicle and the driver are jointly liable for the damages to the third party if the driver was using the car with the skill and consent of the possessor. Generally, permission is presumed to exist in the absence of the car having been stolen or there being an express, provable, refusal to permit its use. In general, if the car was insured for liability coverage and the driver was not listed on the policy as a permissible user, the insurer will likely disclaim coverage. This is because it was not paid a premium to assume the risk of his/her use of the car. If the proprietor did have liability insurance on the car, and if the driver had liability insurance on a different car that he/she possessed and normally drove, the law of the state in which the collision occurred would likely address who’s insurance is “primary” and who’s is “excess”; this essentially means which insurance pays very first before the other may be called upon. Often, the driver’s liability insurance is primary because he/she is the actively negligent party, while the holder bears only a vicarious liability. Keep in mind that “what happens” also depends on fault. That is, the occurrence of a collision does not necessarily mean that anyone pays anything to anyone. In order to be entitled to damages, one party has to be found negligent (careless). Even the issuance of a traffic ticket for the collision is not determinative of the issue. A ticket is essentially the police officer’s accusation that a traffic law was violated; it still has to proven. An adjudication of guilt on the ticket may have a bearing on a later finding of civil liability for damages. If the matter proceeds to suit and a judgment is entered against the possessor/driver, and the judgment remains unpaid for a statutory period of time (often 30 days), the person(s) against whom the judgment was/were entered are subject to having their licenses/registrations suspended based upon the state’s Financial Responsibility Law.
If you were involved in an accident and did not have total coverage but the bank had put compelled insurance on the loan will that insurance cover the totaled car?
That insurance will very likely cover the BANKS interest in the vehicle and any liability that may be assigned to it, but little or nothing for you.
What if you have total coverage insurance for your car and you have a single car accident and you have a suspended license does the insurance people still pay for it?
wrong side driving car was total harm * drank liqueds and drove the car it is also pay *
If your car was taken without your permission by a friend who then was in an accident you did not have insurance at the time will her utter coverage insurance cover the cost of your car’s repairs?
Generally yes, her insurer should cover it, but ONLY in the example that it was driven WITHOUT permission. You must make that clear, and your friend must admit to that as well. Her rates may be hiked.
If you have total coverage insurance and a person who is not licensed gets into an accident in your vehicle what happens to your insurance?
I’m a Broker – very first of all, as tacky and incovenient as this sounds, IF YOU DON’T KNOW IF A PERSON ABOUT TO DRIVE YOUR CAR IS LICENSED OR NOT, ASK TO SEE THEIR PERMIT! IN THE CASE OF AN ACCIDENT, YOU ARE PERSONALLY HELD RESPONSIBLE FOR ALL DAMAGES. The law says that we must assess the likelihood of such events and protect ourselves in any way. eg. if your friend is drinking you don’t let them drive…
Can you get total coverage insurance on a salvage title car in Sacramento?
Reaction Yes with some companies you can. As long as repairs have been made. It could affect the amount you would get paid in event of loss however.
If a deer hit your car and you have utter coverage who does the insurance agency send the check to?
You submit the claim to your insurance company and they should send the check to you minus your deductible..
If there is a lien on the car, the check will go to either the shop that does the repairs. If the repairs are not made the check may be made to the lender AND the possessor or only to the lender..
The named insured on the policy and the loss payee if there is one.
Will your utter coverage auto insurance pay for your car if you where drinking and driving and had an accident?
They’re pretty much obligated to do so, but recognize that you will most likely be dropped from coverage as soon as they detect the DUI on your record.
What does the insurance company have to pay if you total your car with utter coverage?
They pay whatever the value is of your vehicle less the deductible..
The value they pay, in most cases, will be the trade-in value or average private sale value. Not enough to substitute the car even when you add the deductible..
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time
What happens if you are in a car accident and you have no license or insurance?
going to be paying the state lots of me and the proprietor of the other car
What happens if you were in a car accident and don’t have insurance?
Very first you generally receive several tickets totalling hundreds of dollars. Then your drivers license is suspended. Next any vehicle registrations ( license plates ) you have will be revoked. In order to get your drivers license back you will likely need to obtain insurance and ask the insurance company to file an SR22 form for you..
If you were the at fault party, since you don’t have insurance to cover the accident, then you need to pay out of your own pocket all expenses incurred by the other driver you hit, including property harm and vehicle repair bills and any medical expenses if you also injured someone in the other car. Failure to pay for the damages you caused will usually result in a mandatory drivers license suspension for Ten years or until such time as you pay for the damages you caused.
If you have a suspended license and utter coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Is a driver covered for rental cars if they have utter coverage insurance?
It depends on the exact insurance you have. To be sure just ring up your insurer give them your policy number , tell them what you want to do and ask them to confirm you are covered for it. Utter coverage usually just means having liability, comprehensive, and collision coverages. Rental is something you pay extra to have.
If you have total coverage car insurance and you have an accident and are killed does insurance pay settlement?
An unendorsed ISO Private Auto policy should pay your “Part B-Medical Payments Coverage” Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or Five,000 but can be enlargened. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn’t carry insurance or doesn’t have an adequate amount. Also, there are endorsements available that could indemnify after a death such as “Auto Death Indemnity”, which sounds like what you are needing.
How much is utter coverage insurance on a fresh car?
The utter coverage of the old car isapproximately $60 to $100. It gonna be cheaper if you negated withthem. Fresh car is approximately $150 to $200.
I was in a car accident and my insurance will not provide a rental car even tho’ i have total coverage can they do that?
You only get a rental if your policy specifies that you chose to pay extra to have rental car coverage. Having collision coverage is not the same thing as having rental. Collision coverage just covers the repairs to your vehicle. If you are not at fault for the accident, the other person’s insurance will provide you with a rental car.
What happens if i have an accident with my rental car with no insurance?
You will typically be held liable – not a good idea. With no insurance, I very recommend purchasing the Liability insurance supplement at a nude minimum from the company so if something happened you will not incur such a financial hardship. Not worth the risk in today’s sue glad society. I also recommend the LDW or CDW coverage to avoid hassles such as upfront payments, inadequate coverage from credit cards (they are almost always secondary and never in utter) and preventing the company suing you for damages.
How old can a car be and total coverage insurance?
There is no age limit albeit the value of the car may not justify the cost of total coverage.
If you have an accident with no car insurance in Pa what happens?
If you have an auto accident and you are found to be at fault, then if taken to court you can be liable for all damages. You could potentially lose everything that you have.
If you have utter coverage insurance and have a car accident will the insurance company pay off your car if you still owe on the car?
If you’re filing the claim through your own collision coverage, your car insurance will pay the actual cash value (ACV) minus your deductible at time of loss. This may not be enough to cover loan due to interest, negative equity, etc. You can look at buying gap coverage either through your finance company or your insurance company if this concerns you. The best available resource for determining your ACV is www.nada.com.
Can you buy liability insurance on a car that you are financing or does it have to be total coverage?
Auto Finance companies typically require the buyer to purchase”Total Coverage” insurance to protect their property until you havepaid it off. Just review the finance contract you signed when you made theagreement. It will detail your coverage requirements to avoiddefault on the finance note. If you fail to conform with your agreement, the lender generally hasthe option of purchasing the coverage at an insurer of their choiceand bill you for the extra cost (with interest) of acquiringthe coverage for you.
You have gap insurance and total coverage insurance but your bf totaled your car and he is not on your insurance will your insuances still cover your car?
You’ll have to seek out the fine print in your gap policy for details on that. In regards to your auto policy, utter coverage does not have anything to do with who is covered, but everthing to do with what is covered. Generally speaking harm to your car will be covered, minus your deductible, unless your bf is excluded from the policy. For the future it’s always a good idea to add drivers to your policy, even if it’s for a day, no sense in putting yourself in a position like this.
What will happen ive had an accident in your car and no insurance?
You will lose your license and possibly your car. If you are at fault you will have a judgment against you that may garnish your wages and bank account until the judgment is paid. If you license is returned you will very likely be required to file a certificate of financial responsibility (sometimes called an SR-22), and you should expect much higher insurance rates.
What happens if you have no car insurance and you have an accident?
If the collision was your fault, even if you had no insurance, you are still theoretically liable for the harmless party’s damages. He/she may make a decision that even in the absent of insurance, they will make a claim against you, You can either resolve the claim voluntarily, or wait to see if they will file a lawsuit against you. If a lawsuit is filed, you must defend it, yourself or with the help of a lawyer that you hire. If you fail to, a judgment will be entered by default. Depending upon the state in which you live and where the judgment is entered, the judgment is enforceable for many years and becomes a lien on property that you own or acquire during the life of the judgment. Under certain circumstances, bank accounts can be affixed, salary or wages garnished, or other forcible collection deeds taken. If you were issued a ticket and convicted, and if damages exceed a stated amount, the fact that you did not have insurance could lead to a license and registration suspension under your state’s Financial Responsibility Law. If that happens, both are suspended for a period of time (often one or more years), or until such time as you make payment arrangements with the other party. You are generally also required by the state to maintain high-risk auto liability insurance for a number of years. A similar process is triggered if a judgment is entered against you (that is, a license suspension). Another aspect of a collision without insurance is that you will be financially responsible for the repair of your own vehicle. If you had had collision coverage, the insurer would have borne that expense subject to the policy deductible.
What happens when the car that hit you had no insurance?
If the car that hit you had no insurance, it is the duty of the Traffic and Motor Vehicles Department to penalize the possessor. If you are badly injured, only you can be monetarily saved if you wield one Private Accident Policy on your life along with your Medical Insurance Policy.
If your car is paid in utter do you need total coverage insurance?
No. But in most states you are still required to have liability insurance to cover the costs of any damages you may cause to others if you are at fault in an accident.
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 motionless?
There insurance will cover the cost of repairs to your vehicle. This works with any vehicle even if it is a rental.
Your car was totaled no other car involved you had total coverage insurance and GAP insurance will you be reimbursed for your loss or will it all go to the finance company?
the very first priority of the insurance company is to pay of the loan holder (so the value of your car is determined and out of that) whatever is left over will be sent to you. If the value of the car is less than what you owe you are stuck with the balance as far as gap coverage goes you will have to check with your insurance company they’re all different
What happens if you total your car and have gap insurance?
if your car is worth 10k and u own 20k and your car gets totaled, your car insurance will cover 10k for what your car is worth and cap will cover the rest. you wont get any money but you also wont have anymonthly payments anymore.
What happens if a car accident was not your fault but you were driving and you are not on the policy and the car is insured by total coverage insurance?
ReactionYou should be OK, as long as, you had permission to drive that vehicle. In any case since you were not at fault, the other driver’s insurance co. is financially responsible for all damages. However, in some other cases, it is recommendable to review the policy of the car you were driving, in case the other vehicle had a liability coverage only.
What happens if you have car insurance and you have an accident?
You call your insurance company and report it. if the accident is your fault, with very minor harm, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.
What happens if car insurance does not cover total amount of accident?
(In the UK) I’m guessing you mean on your own vehicle? i.e. your car repair bill is for Â£5000, but your vehicle is only worth Â£3000 (amounts for illustration only)? In that situation, the Insurer would ‘write off’ the vehicle – essentially announcing it as unworthy of repair. They would then pay out to you the Â£3000, assuming that Â£3k istheirvaluation of the car and take ownership of it themselves for scrapping. This is regardless of what you told them it was worth when you took out the insurance. Conversely, if you told them it was worth Â£2500, and the car is worth Â£3000, they will only pay up to a maximum of Â£2500 – sneaky so & so’s!!! If you feel that the harm is only cosmetic, or you are a mechanic yourself, and feel that the car can be repaired cheaply, then you can always buy the car back off them – usually for a duo of hundred quid. If however you meant other people’s vehicles, then I believe it is the same as public liability insurance, and covers up to Â£1 million. Should be enough for most vehicles… Outside of the UK I’m afraid I don’t have a clue! ResponseIn the US, if the vehicle were itself bruised, once the deductible is paid by the insured, the insurer pays the reasonable cost of repair. Recently, it has become common for insurers to have preferred repair facilities that work with the insurer on cost of repairs. This is similar to managed care in the health insurance arena. In most states, it is also the law that if damages exceed a stated percentage of the actual cash value of the car, the insured must proclaim it a total loss. The insurer then pays the insured the actual cash value, less the policy’s collision or comprehensive deductible. The insured if often given a choice to either keep the salvage and, perhaps, pay to rebuild the vehicle, or to sign title over to the insurer. If the insurer keeps the salvage, the salvage value is deducted from the amount paid to the insured. In cases where the insured is at fault for a collision and a claim is made by a third party for property or bodily injury harm, most states require the insurer to lodge the claim within the insured’s policy boundaries if it possible to do so. If it unwilling to pay the value of the claim when it knew or should have known that the claim was in excess of policy thresholds, and the claimant will lodge for policy boundaries, the insurer will have exposed the insurer to an “excess verdict”. That is, in most states, considered “bad faith”. In that situation, the insured can sue the insured for extra damages. Alternatively, the insured can assign that claim to the claimant who may sue the insurer for the difference inbetween policy thresholds and the amount of the claim. Note that state law governing bad faith may differ depending the jurisdiction, and that this is intended only as a general discussion.
What happens if you have a minor car accident and you have no insurance?
You pay for all damages if you were at fault, and get a citation and fine for not having insurance.
Will utter coverage insurance cover your car if hit by another car on private property?
It should unless there was some illegal activity that had occurred and you had the decent coverages. There is no difference in a private property accident or a public street accident when it comes to paying claims.
Will the Insurance Company pay for a rental car if the accident is your fault and if you have utter 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 needs total coverage car insurance?
People who need total coverage car insurance include those who use their cars often. So, that includes people who go to work early, and often, people who attend university and use their car as a form of transit or even if you need to go to a friends house every week.
Does Ensleigh car insurance suggest utter coverage for customers?
Yes. Ensleigh Insurance does suggest utter coverage. Granted, this will come at a pretty steep cost depending on your age, credit history, and type of car.
What is the best car insurance for total coverage?
The best car insurance is based upon your private sittuation. It all depends on things like the size of your family, your budget and your driving records from the past. So there truly is no ‘best’ car insurance.
When a car has a Salvage Title can you get utter insurance coverage on it in California?
I believe you can, butcollision and comprehensive would be atotal waste of your moneyon such vehicles and any responsibleagent should inform you of that before agreeing to sell you thepolicy. So while you can, you shouldn’t!
What if someone is driving your car and has an accident will your utter coverage insurance cover it?
Usually yes. It depends on the brand of insurance tho’. You should check with your provider to be sure.
What happens if you get in a car accident and you have insurance but no license?
If you have no licence you are driving illegally.Any insurance you may have taken out becomes null & void.Basically you arent insured even if you pay the premiums.Get a licence as you could end up with a law suit if you were to have an accident & hurt someone.As youre violating the law, you could end up with police on your case too!
Is it a state law in Florida that your insurance company must provide a rental car after an accidentif you have total coverage insurance and hit a deer?
No. By “total coverage,” I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.
How do you get utter coverage car insurance?
In order for one to acquire total coverage car insurance on their automobile, one must finish a series of tasks. Step One: Purchase a Vehicle. Step Two: Call Progressive, where i can assist you in choosing what is right for you. Step Three: Avoid taking left turns on your way to work. Left turns are statistically more common for provoking Silverback Gorilla attack. Step Four: Request Total Coverage Insurance when you consult your Progressive agent. I hope i have assisted you in your process. Flo Progressive Sales Agent
What if you have a car loan and have an accident and bank or insurance didn’t make sure you had utter coverage?
When a person finances a car, proof of insurance is required, a buyer has about24 hours to let his insurance company know about his car. In the event thatcar buyer stops making insurance payments the finance company is almostinstantly notified and your car finance agreement charges the buyera higher monthly payment for “single interest” insurance. That is where thefinance company is reimbursed if vehicle is bruised, to protect their interestsbut not the buyer’s. They can then at least get it immovable, and sell to someonehopefully more responsible. They have this stuff all figured out.
When to drop total coverage car insurance?
You should only drop the physical harm part of your insurance if your vehicle is paid for in total and when you no longer would need help substituting or repairing the vehicle if a claim occurs. Also you could say that when the price of the physical harm coverage exceeds the benefit of substituting the value of the vehicle.
What is the cost of utter coverage car insurance?
Total coverage for car insurance usually depends on where you live, what kind of car you drive, your age and how far you plan to travel. Typically figure about 800 dollars a year.
What are some common gap car insurance coverage exclusions?
Gap car insurance excludes any equipment that was not factory installed on the car, unpaid or overdue lease or loan payments, and money that was “flipped” into the car such as trade in vehicles.
What happens to your insurance after car accident?
In the UK your motor insurance ramains valid for the total term ofthe original policy, however when you need to renew the cost maywell increase because you are deemed to be a higher risk and/oryour no claims bonus will be diminished.
Will utter coverage car insurance cover electrical?
Physical Harm coverage on an auto policy covers all parts of the car that are bruised in a covered loss or covered accident. Maintenance issues are not covered on auto insurance.