will my liability car insurance cover my car if someone hits me ?

Answer 1

Nope, it only pays for the other guy's car to get fixed, up to the amount of damage you paid for. To get your car fixed, you have to carry comp and collision coverage. The "comp" covers the damage if something hits your car (like hail, a deer, etc.) and the "collision" covers the damage if your car hits something or someone else. Most people don't buy this coverage because of the extra cost and they want to go the cheapest way, but it's not really cheaper if your car gets damaged and you have to pay for the whole thing out of your own pocket. Also, Uninsured/Underinsured Motorist coverage is important in case someone with not enough coverage, or none, hits your car. Then your car will get fixed.

Answer 2

1

Answer 3

Short answer: No coverage

Long answer: There are two sections of an auto liability policy: bodily injury and property damage. Bodily injury liability pays other people for damages the policy owner has done to them, such as medical expenses, lost wages, and pain and suffering; property damage pays other people for damages done to their property. If someone files suit against the policy owner as a result of a car accident, these policies will provide monetary protection (up to the limit of the policy).

Bodily Injury - The common notation for bodily injury policies looks like 50/100 or 100/300, where the first number is the dollar amount (in thousands) of total coverage in the event that one person is injured or killed, and the second number is the total dollar amount (in thousands) for an entire accident.

Property Damage - Following the same notation as above, property damage is the third number listed on the policy, e.g., if the policy were 100/300/25, it would offer $25,000 worth of coverage to repair or replace others' property (including cars). Typically, states require property damage insurance of around $15,000, but because the cost of the average new car is well above $20,000, coverage of at least $25,000 generally makes sense.

Both coverages apply to injury or property damage to others. You would need full coverage on your vehicle to file a claim & then you would be responsible for paying the deductible.

Take Care,
Ron @ InsureMe
Auto Quotes: http://www.insureme.com/landing.aspx?Refby=614996&Type=auto

Answer 4

No. It will cover someone ELSE'S car if you hit THEM! Their insurance should cover you. However, you should add "uninsured/underinsured motorist" to your policy, and then you will be guaranteed coverage if the idiot in the other car is a jerk and drives without insurance, or has an insurance company backed by some jerk-off like Fred Loya Insurance out of El Paso, Texas and refuses to pay their claims like they did in my case. Good thing I had under-insured/uninsured motorist on MY policy...Allstate is going after those jerks for my bills...

Answer 5

criminal accountability coverage won't cover damages on your person sources. in elementary terms others. in case you have complete coverage your motor vehicle injury would be lined for a deer hit. in case you have Collision coverage you could even have coverage for a deer hit yet provided that the deer is already lifeless and additionally you in elementary terms hit the carcass interior the line.

Answer 6

no hopefully it would be their fault, then their liability insurance would cover your car

Answer 7

NOPE