If you have storged your car and it only has comprehensive insurance and you backed into that car with another car is the car in storage covered by comprehensive insurance?
2006-12-25 08:11:21 · 10 answers · asked by PETER M 1 in Cars & Transportation ➔ Insurance & Registration
If YOU backed into a car that YOU own with another car, YOU are responsible for the damages. Comp doesn't cover collision, collision covers collision, but again if YOU caused the damage to your own car, what are you going to do? Sue yourself for damages?
2006-12-25 08:57:09 · answer #1 · answered by oklatom 7 · 3⤊ 0⤋
No, in the US, comprehensive coverage is only for non-collision damage. Fire, theft, vandalism, wind, ice, hail, etc. A collision with an animal IS covered under your comprehensive coverage but collision with another vehicle or a fixed object is not.
2006-12-25 16:12:52 · answer #2 · answered by Bostonian In MO 7 · 1⤊ 0⤋
What happened in this case was a collision between two cars- so it would have to go under your collision coverage.
If a random third party had hit your vehicle while parked/unoccupied their property damage would pay for your damages.
But as im assuming your own other vehicle hit it- its property damage could not pay out for another vehicle on your policy b/c its not fair to get repairs done to your vehicle for free when you are at fault.
Therefore- your going to have to pay damages out of pocket if you have no collision on your vehicle. COmprehensive coverages covers things such as fire, theft, vandalism, etc.
2006-12-25 09:22:29 · answer #3 · answered by Anonymous · 1⤊ 0⤋
Like johnny said, it is the finance/bank that has to protect their investment. Do you know the price on OEM? It is very expensive case in point my buddy bought a Ducati 999 and got into a slight accident slid the bike for about 200 feet. This bike was brand new less than a month old with less than 700 miles on the odometer. The insurance company 907.A Totaled, the engine was intact and the frame was true but 70% of the plastic needed to be replaced. The cost of OEM from Italy and the hours to put it all together exceeded 70% of the value.
2016-05-23 06:10:00 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Comp covers things like fire and theft, not collision. That's why they sell collision coverage. You need to see what coverage is on the car that did the damage.
2006-12-25 09:13:18 · answer #5 · answered by Papa John 6 · 1⤊ 1⤋
No,, that would be under collision,,, comp is only for wind,fire,hail,glass,theft,vandalism,falling objects,deer,flood damage.Collision is for accident with another veh, stationary objects like a pole or mail box, veh rollover, or while parked... Now if you own the veh that you were driving it would go under your collision....
2006-12-26 15:29:54 · answer #6 · answered by D.L. 4 · 0⤊ 0⤋
NOPE! Comprehensive covers fire, theft, vandalism, hail, lightning, vermin, but not collision of any kind, whether you were driving it or not.
2006-12-25 11:27:25 · answer #7 · answered by Fred C 7 · 2⤊ 0⤋
I would think that the person who backed into that car is
responsible. the insured driving the car. not the car in storage.
2006-12-25 08:22:51 · answer #8 · answered by markcpt49 1 · 1⤊ 3⤋
Nope.
2006-12-25 12:02:34 · answer #9 · answered by Anonymous · 2⤊ 0⤋
the best person to ask would of course be your insurance agent but i believe it would be covered. it will cause your rates to go up
though.
2006-12-25 08:24:35 · answer #10 · answered by barrbou214 6 · 0⤊ 5⤋