This is sort of an educated guess, but I believe the insurance would pay the dealer and not you. I simply say this because when leasing, you never own the car, you simply “rent” it for a definite amount of time.
If you have utter coverage and your car is totaled by someone and their insurance pays the current value will your insurance pay the difference?
Depends on the underwriting rules as to what they consider indemnifying you. They may cover it, and then subrogate against the other insurer.
Does the at-fault driver with utter coverage insurance pay for the other car?
%DETAILS% NoThe person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.
If you have utter coverage and total your car will the insurance pay for another car even however the one you crashed wasn’t paid off yet?
noNo, the insurance company has a responsibility to the lienholder very first, then you get the balance of the settlement based on the local market value of your car. Insurance companies are not responsible for purchasing you a fresh car and the settlement is based on the value of the car you had an accident in. The settlement is not based on what it will cost to buy another vehicle.
Will insurance cover a total loss to a utter coverage auto when the car is covered by a individual policy yet the car is titled to the possessor’s company?
Not sure I totally understand your question. Are you both the proprietor of the company (and the car), the car is titled to the company, but have the car insured as a private/non-business auto? What were the questions on the application? They ask about business use, if those weren’t answered honestly there could be a problem. Or are you telling the company ou work for possesses the car, but you have to carry insurance on it? Same question about the application would apply. Please be more specific and I’m sure I could be of more assistance.
If your parked car was hit by an at fault driver and filed a claim with your total coverage insurance will it go up?
Yes, anytime you make a claim to YOUR insurance, it will go up. That’s how they get their money back. If you don’t submit a claim to them, then no. I do not necessarily agree with the response above. What you did not indicate in your question was did the person at fault have insurance. If they did then even tho’ you filed a claim and your carrier paid you, they would likely recover from the at fault person’s insurance. In this circumstance you insurance should not go up.
If you were at fault in a car accident and have total coverage can the other party sue you personally or does your insurance company take care of that?
if there is a suit brought for the accident they will have to name or sue you, not the insurance company, don’t funk however, your insurance company should represent you, (if a judgment is entered against you the ins co will pay it, assuming as simplistic as question) if you areeverserved with papers instantaneously contact the adjuster…….you turned in the claim when it happened right? if not better get on that……..asap……
If you have total coverage how much will your insurance company pay you for your stolen car?
Coverage on a Stolen Car .
Most insurance companies will only pay the blue book value of the car at the time that it was stolen. Check the Kelley Blue Book or the National Automobile Dealers Association for approximate values.
What if you have utter 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 *
Can you get total coverage from other insurances on a car if is was proclaimed a total loss by your insurance?
If the vehicle has not been repaired and studied and title cleaned up, any insurer doing their job will restrict or not write collision and comp. However it does happen, but be aware that if an accident occurs this salvage title will showcase up and you will get substantially less on this next settlement. Any prior harm will not be paid to repair again.
Does your insurance pay for damages to your car if you have total coverage and someone living with you who had no drivers license took your car and wrecked it?
Probably not, most insurance companieshold the possessor of a vehicle responsible for keeping the vehicle secured. Meaning even if the unlicensed driver took the vehicle w/o permission, the possessor should have made certain that such an event could not have occurred.
How can you get car insurance coverage without paying utter year premium after cancellation?
They refund you the remainder of the premium not used for the year.
Can you get utter coverage insurance on a salvage title car in Sacramento?
Response 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 tho’.
What do you do if you have utter auto insurance coverage and your car violates down and is totaled?
Automobile insurance, in most cases, does not cover mechanical breakdown. If your car is not worth repairing from a mechanical breakdown and you are able to substitute it within a few weeks to a month I would suggest keeping your insurance policy active. This is to avoid having a lapse in insurance coverage which could result in higher insurance premiums when you get another car. ResponseYour car violating down, and your car being totalled are Two separate considerations. If your car mechanically violates down, there is no coverage. If the car has been totaled in an accident, there may be coverage. I guess, more specific info is needed.
Will your total 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 very 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 total 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
If you have utter coverage and total the car will you get enough insurance money to buy another car if it is not paid for?
NADA Blue Book Guide .
Go to the NADA book to determine the retail value of your vehicle. This is about all you can expect to receive. You can go to www.nada.com and get the low retail value of your car. Ask the payoff amount on the car. The difference is about what you will have to work with..
Two-part response .
I think there are two parts to your question. Very first is the value. In a flawless world you should get enough money to substitute the car with a similar one without paying any more than you get from the insurance company. Very often you will get something less. You can dispute the claim amount if you think it is too low, but you must have some basis for your amount. Low settlement amounts are common when a car has unusually low mileage, is in especially good condition, or has had restoration work done to it. In addition to the source above, look in your local papers and see whether you can substantiate a higher price..
The 2nd part is your loan balance, which remains your obligation regardless of the payoff amount on the claim. Let’s say you put $Four,000 down on a $20,000 vehicle that you wreck six months later. If you still owe, say, $15,000 on the vehicle and the book value is, say, $17,000, then the finance company gets 15 thousand and you are left with just two thousand. Things get truly crappy when the book value of the car is less than what’s owed on the loan. In that situation, you are on the hook for the difference. So, not only will you not have money to buy another vehicle, you are now in the slot..
Almost Certainly NotThe insurance company will pay the Blue Book trade-in value less your deductible. Since the bank has a lien, they will get their share very first and fairly often that leaves the proprietor with little, nothing, or still owing the bank. And, of course you will pay Blue Book retail for the replacement. The chances of even getting enough for a downpayment that will permit you to finance the same amount you owed on the old car are slender.
Can carriers raise your premiums for a serious accident where your car is totaled and the insurance company pays for your car but the insurance investigator ruled that the accident was not your fault?
yes if your ins.co. pays for your car..
They CanEven if they don’t pay for your car. My agent warned me that my homeowners premiums could be raised just for filing claims! They used to send an adjustor out automatically if there was a hailstorm or windstorm, but not any more. I just wished an ajustor to estimate the harm last spring and let me know if it would exceed my deductible.
If the at-fault driver has total coverage who pays for a rental car?
In Texas, The At Fault Driver’s Liability portion of their policy will pay for rental car usage at a maximum of 20 dollars per day for up to 30 days or until the such time as the Insurance company has made a reasonable suggest to lodge, whichever comes very first. This rule will vary by state. If the at-fault driver goes under their own policy to get repairs, they would have to have bought rental coverage to get a rental set up.
Can you get total coverage auto insurance for a totaled car?
Has the vehicle been repaired and investigated and title cleaned up? If so no problem, if not I suppose you can if the company you are requesting ins. from doesn’t do their homework. But I promise you should you have another loss, this will resurface.
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.
You total out your car and your insurance denies coverage will you still have to pay the notes?
Yes. Your auto loan must be paid whether or not the car is driveable, lost, stolen, whatever. The lender doesn’t know or care if the car was totaled and the insurance company only gave you the blue book value on it – in way too many instances the car is not worth what it costs overall. Review the terms of your loan.
Can you sue someone if they totaled your car and have no fault insurance and you don’t have utter coverage From what I can tell I can only go after a mini torte and that will only give me about 800?
You should go post your question on www.HelpMeSue.com – most likely a lawyer will help you reaction this or take your case!
What happens if your car is totaled and you have total coverage?
You will get actual cash value for the car and will sign the title and car over to the insurance company, unless you wish to buy it back for a diminished payout.
Can you collect insurance on your car from other driver even however you were at fault and you only have liability on your car and he has utter coverage?
If the other driver was not at fault and you collect from his insurer anyway, Then someone would have to have filed a claim and false loss report with his insurer for this to have happened. This is called “Insurance Fraud” and is a Felony Offense.
Will car insurance pay if totaled car?
If you have total coverage they might pay you the lowest market value fo your car. They will deduct your deductable.. Insurance companies are out to make money so they will find the cheapest way out
If you have utter coverage car insurance and you have an accident and are killed does insurance pay settlement?
An unendorsed ISO Individual 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 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 utter coverage.
If you have total 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.
You have gap insurance and total coverage insurance but your beau 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 beau 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.
If your car is paid in total 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 were in an accident your car is a lease and it was your fault and you have no insurance what is going to happen?
You are going to have to pay all cost out of pocket. Also you may be given a severe ticket for driving without insurance.
If I have total coverage insurance but the car I was driving only had liability insurance will my insurance pay for damages?
Yes I think so since you were the driver. The insurance covers the driver and not necessarily the car.
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.
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
Does utter coverage insurance pay for a rental car?
Some policies automatically include a minimal amount ofrental reimbursementcoverage, but generally your policy includes no coverage for rental reimbursement if it is not listed with apremiumon yourdeclarationspage.
Does a insurance company have to pay for your stolen car if you have total coverage ins?
If by Utter Coverage, you mean you also purchased Physical Harm, aka harm or loss of your vehicle and the car was confirmed stolen, preferrably via police report, the company will typically pay Actual Cash Value for your car, less your deductible.
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?
ResponseYou 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.
Does a total coverage auto insurance in CA cover a totaled car in another state?
It depends on the company and policy. Some will deny it for “operating out of territory”. Others will cover it and then non-renew the policy for “operating out of territory”. There is no way to say for sure as it varies so much from company to company.
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. “Total coverage” usually just means you bought liability, comprehensive, and collision insurance.
Will at fault insurance buy you a fresh car after paying your car totaled?
No. They will give you the money for the value of the vehicle and then you are on your own. However, check with your state’s Department of Insurance. You might have recourse against the insurance company if you are incapable to find a comparable vehicle with the amount they gave you.
Do you have to have insurance utter coverage if you are not driving a car that you are still paying on?
Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person’s vehicle. Because, several years ago, I drove my friend’s vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn’t mine! But, they told me that it doesn’t matter! I should have had liability insurance anyways, if I was planning on driving someone Else’s vehicle!
Who needs utter coverage car insurance?
People who need utter 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 total coverage for customers?
Yes. Ensleigh Insurance does suggest total 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 utter 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 indeed is no ‘best’ car insurance.
When a car has a Salvage Title can you get total 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!
How do you get total coverage car insurance?
In order for one to acquire utter 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 Utter Coverage Insurance when you consult your Progressive agent. I hope i have assisted you in your process. Flo Progressive Sales Agent
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 utter 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 total 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.
Does having utter coverage auto insurance in MI mean if my car is totaled and I wasn’t at fault the car will be paid off?
Firstly, there is no such thing as total coverage auto insurance. This is just a term that developed over time to mean whether or not you wished physical harm coverage on your vehicle or not. Secondly, if you have physical harm coverage this has nothing to do with what you owe on your vehicle. the physical harm section of an auto policy says that the insurance company has the option to repair, substitute, or pay the actual cash value of your vehicle. I suggest if you purchase a fresh vehicle to consult your agent about GAP coverage which will pay the difference inbetween the ACV of your vehicle and the amount owed. Never purchase this from the dealer and it will cost you several times what you can get it from your insurance company for.
Is utter coverage insurance worth paying on a salvage car?
Usually not, collision and comprehensive only pay based onpre-accident value of the car, which for a salvage is very littleif anything. You will need liability and it might be useful to haveuninsured motorist.