replacement value and also I was hurt in the accident does my Insurance pay for this also. I know my isurance will pay for her car and injuries..what about mine?? Thanks...suzi
2007-11-04 13:17:05 · 17 answers · asked by Jesus freak 2 in Cars & Transportation ➔ Insurance & Registration
If you have full coverage, they will pay for the current value of your car, NOT replacement value unfortunately. If your car is not paid off, the amount paid will go to the bank with which you have your loan, and if any amount is left over, you will get a check...if the amount they pay does not cover the entire amount you owe, you will be stuck with paying that extra amount.
Yes they will pay for your injuries.
2007-11-04 13:25:50 · answer #1 · answered by Anonymous · 2⤊ 0⤋
If you have comprehensive insurance the insurance company will make an offer for the damage to the car - normally the market value - less the excess. If you feel the offer is unfair I suggest you look for adverts for similar vehicle - or look in PArker's / Glass's guide for car values.
There is emergency medical cover on a motor policy that will also be paid by the insurance company.
The insurance company will not pay for your medical treatment over and above this.
If you have lost a limb/ eye then there are personal accident benefits available on a comprehensive car insurance policy.
2007-11-04 20:43:50 · answer #2 · answered by welcome news 6 · 1⤊ 0⤋
Yes they will cover you and her.
I was in an accident that I caused about 8 months ago, and it wasn't even in my car, and the owners insurance covered everything. They paid off the totaled car and gave a percentage of what the car was worth to put down on a new car, which was only like $700 but it helped. The insurance also paid all the hospital and fire department bills, the only thing I had to pay was the ticket the police gave me for failure to yield, since I pulled out in front of the other car.
2007-11-04 13:38:57 · answer #3 · answered by Over and Over 5 · 1⤊ 0⤋
You never, ever get replacement value on an auto policy. It's not a car coverage. MOST of the time, if it's your policy, you have actual cash value. If it's the other insurance company paying out, they're only EVER responsible for actual cash value.
If you have collision coverage, your policy will pay for repairs less the deductible, up to the actual cash value of the car.
Medical payments, well, this depends on what state you are in. If you have medical payments or personal injury protection coverage on your policy, then yes, it will pay those medical bills up to the limit.
2007-11-04 14:25:44 · answer #4 · answered by Anonymous 7 · 1⤊ 0⤋
If you are insured fully comprehensive, you will be paid out regardless of who's fault the accident was, usually you have to pay for the first 100/300 of damage then the rest insurance pays but you normally pay the first amount set by insurance company whatever that may be. genrally it's around £100 but I could be wrong on that part the rest is right
good luck.
2007-11-04 13:36:41 · answer #5 · answered by terrieangel12 1 · 1⤊ 0⤋
Depends on they type of policy you have. If you have replacement cost for your totaled car, they will pay. You must have the Medical Rider for them to pay for your injuries,otherwise, this will be picked up by the insurance you have through your employer.
Since you were at fault, you insurance must pay the for the damages to the other persons vehicle. If they were injured, they will have the right to sue you for the hospital bills, Doctor Bills, pain and suffering and all other medical matters they incurred from the accident.
You need to sit down with your claims adjuster and see if they will hire you a good lawyer to protect you form the Ambulance chaser the other party will hire to drain every last drop of blood from your body.
2007-11-04 13:44:21 · answer #6 · answered by Tigger 7 · 1⤊ 1⤋
If you have comprehensive cover they will pay the value of the car. Of course it will be much less that you expect/need. They won't pay your injury unless you have specific cover for that. Also if they suspect you totalled your car to convert into a cash payment that's fraud and they will not pay out anything to anybody
2007-11-04 21:10:28 · answer #7 · answered by The original Peter G 7 · 1⤊ 0⤋
If you have collision, comprehensive and medical payments on your insurance, then you are covered for your own damages to the limits of the policy. If you have liability and property damage only insurance, then only the other person is covered.
2007-11-04 13:21:07 · answer #8 · answered by Dan H 7 · 1⤊ 0⤋
That depends, You would better off to contact a personal injury attorney and get help so not to be cheated, it is common for the ins co to not pay the full value of your car and your injury. Good Luck and God Bless
2007-11-04 13:21:59 · answer #9 · answered by Anonymous · 1⤊ 2⤋
you need a fully comp insurance to get the book price on your car, always turn down there first offer, they will improve on it trust me i did after somebody told me to do it and it works, ref injury, nows the time to read the small print in your policy to see what you paid for, every company gives you somthing different
2007-11-04 13:23:33 · answer #10 · answered by kevin friend 6 · 1⤊ 0⤋