I have liability car insurance and the other day a car pulled over in my lane and just stopped i ran into the back of her smashed the front end of my car(non driveable) the police said it wasn't my fault and the other car just left right after it happened. Will my insurance pay for my car?????
2007-09-30 05:14:55 · 16 answers · asked by lexus 1 in Cars & Transportation ➔ Insurance & Registration
i did get the other cars tag number and the officer was going to see if he can find the other person. i pick up police report today.
2007-10-01 05:05:46 · update #1
Laws and insurance regulations could vary depending where you are, but in the United States, you'd need "Collision Coverage" to pay for the damage to your car.
Liability coverage is to take care of damage to the other person's car or injuries to other people.
"uninsured motorists" coverage is usually for injuries to you or people in your car - but if your state has uninsured motorists property damage coverage, it might apply - my state doesn't.
It's unusual for an accident where you hit someone in the rear not to be your fault, so make sure you get a copy of the police report and the insurance company gets a copy so your rates don't go up.
2007-09-30 05:30:09 · answer #1 · answered by Roy H 3 · 2⤊ 0⤋
Maybe. It's your job to make sure you are not following so closely that in the event the vehicle ahead does stop you have time to safely do so as well. The fact that your car is non-driveable also means you were probably driving pretty darned fast.
With that being said, it stinks that people stop right in the middle of the road...but you have to think about why. They could be stopping for an animal, a piece of debris, or even a child running into the street. Truly, it doesn't matter why they stopped.
If all you carry is liability, the only way your insurance will cover you is:
1. If they deem it to be a non-fault loss, and
2. If you carry uninsured motorist coverage, and
3. If you have the other person's info.
This may open a can of worms for you that you do not want opened. Just because the police said it wasn't your fault doesn't mean your insurance will see it the same way. Reporting it to your insurance could result in them contacting the other party and offering to pay for their damages.
I hate to say it, but it is your job to report this to your insurance co anyway, even if no one gets paid. Your liability coverage is in place to protect you, and it's your duty to allow your insurance co to do their job. If your car has that much damage, the other one probably does, too.
2007-09-30 05:41:25 · answer #2 · answered by Pieandchips 3 · 0⤊ 0⤋
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RE If i have liability insurance and i hit a car but the car leaves the accident will my insurance pay?
I have liability car insurance and the other day a car pulled over in my lane and just stopped i ran into the back of her smashed the front end of my car(non driveable) the police ...show more
2014-08-16 00:39:26 · answer #3 · answered by Anonymous · 0⤊ 0⤋
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RE :If i have liability insurance and i hit a car but the car leaves the accident will my insurance pay?
I have liability car insurance and the other day a car pulled over in my lane and just stopped i ran into the back of her smashed the front end of my car(non driveable) the police said it wasn't my fault and the other car just left right after it happened. Will my insurance pay for my car?????
Update: i did get the other cars tag number and the officer was going to see if he can find the other person. i pick up police report today.
Follow 16 answers
2016-08-27 22:08:26 · answer #4 · answered by ? 6 · 0⤊ 0⤋
With liability insurance you have no coverage for your vehicle. You are meeting the states minimum that you are providing financial backing in the case of an accident. If you get the information of the person you hit and it is deemed their fault, their insurance will have to pick up the bill. There could be cases where blame is split (60/40, 50/50, 75/25, etc) and then they will pick up their percentage you are liable for the rest. For your insurance company to pay for anything you would have to bump your policy up to where you have comprehensive and collision (full coverage) coverage which in turn have deductible. You should contact your agent to get rates on such. It is usually not super expensive (with a good driving record) to have full coverage. I would get a copy of the police report and try to get the other persons information to see if their insurance company is going to pay...you will also want to notify your insurance company of the event. You can/will be penilized for being in an accident fault or no fault, but if your insurance company knows what is going on, they can possibly help.
2007-10-01 07:42:56 · answer #5 · answered by urawhat21 2 · 1⤊ 0⤋
Thats a tough hill you are looking to climb.
Most states hold that the driver in the rear has the responsibility to make sure he/she can stop. Even if the other driver swerved into your lane and stopped, at least half of the blame would lie with your failure to keep a safe distance. (yeah.. I know - its hard to explain.. but that's just the way it is).
So.. with each of you at fault, and no apparent injuries, your insurance company is less likely to see this as uninsured motorist coverage as one of 'mutual liability' or something like that. If you were both claiming against the other there would be some Solomon-like decision, but guess what.. the other guy has split and unless you have a license number or plate its just you and your dent car in an accident that was, in effect, partially your fault. Lacking collision coverage I think it will be a loooooong uphill battle to collect anything.. but then again, who knows... costs nothing to try.
.
2007-09-30 06:16:22 · answer #6 · answered by ca_surveyor 7 · 0⤊ 0⤋
most of the others are correct;
liability only pays for the other car if you are found at fault;
the fact that the officer stated you werent at fault, does not matter; if you company investigates and determine you were at fault, that will be their decision; 99% of all rear end accidents are the fault of the driver who rear ends someone; you have a responsiblity to keep an assured clear distance and aware of other traffic so you can avoid this;
if you have collsion coverage, your company will pay for your repairs minus your deductible;
if you have uninsured property damage; umpd, it might cover if your company can determine you were not at fault; but since you rear ended this person, that will most likely be shown to be your fault so umpd would not apply;
also; if the other person left the scene and you dont have the persons tags etc, who can they go after??? most umpd wont pay if you cant ID the other person; the insurance company has to have this info to pursue the other party;
it does not appear good to you from the info you provided;
good luck
2007-10-01 04:42:44 · answer #7 · answered by lucy 7 · 0⤊ 0⤋
i don't think they will but double check eith them. Liability is state required minimum to cover ur liabililty if u hit someone else can u remember tags or even make model color of other car because if they can be tracked down their insurance must pay. Also if u have colision or uninsured motorist coverage then that will cover u
Good luck to u sorry that happened at least u were not hurt
2007-09-30 05:21:56 · answer #8 · answered by Anonymous · 1⤊ 0⤋
JUST LIABILITY WITHOUT COLLISION, YOUR INSURANCE WILL NOT PAY.
YOU HAVE THE TAG OF THE OTHER VEHICLE AND A POLICE REPORT SO IF THE POLICE DO THEIR JOB THEY WILL HAVE THE OTHER PARTY IN CUSTODY FOR A HIT AND RUN.
ALSO THEY WILL PROBABLY HAVE NO INSURANCE SO THIS WILL BE A MATTER FOR THE CIVIL COURT SYSTEM
GOOD LUCK.
2007-10-04 00:45:32 · answer #9 · answered by Anonymous · 0⤊ 0⤋
If you hit someone, but don't have collision coverage, you have to pay for the repairs out of your pocket. Liability only covers damage to someone ELSE's car. By the way, I don't buy that the police told you it wasn't your fault -- anytime you hit someone from behind -- guess what?
2007-09-30 05:23:08 · answer #10 · answered by Resident Heretic 7 · 2⤊ 1⤋