I live in Germany, but I have insurance through an American company. This is what happened two days ago. While driving to work in the morning, a car came into my lane. The person was turning onto the Autobahn, but was turning to early. I swerved to the right to avoid a collision and hit a concrete wall. I believe that my car is now totaled. The other car did not stop and there was no one else on the road. All I had to give the police, was the make of the other car. I didn't get a plate or who was in the vehicle. It was dark and his headlights were bright. The police are investigating it, but no answers yet. My insurance is still waiting for the accident report. If they can't find the person who was driving the car, will my insurance still cover me for my loss? And what about my injuries?
2007-11-22 20:11:01 · 3 answers · asked by JD 1 in Cars & Transportation ➔ Insurance & Registration
I'm answering this under US laws.
If there was no contact between you and the other vehicle, this is considered a one-vehicle accident. YOU are at fault for it.
Your insurance will pay, if you have collision coverage, subject to your policy terms and condition, for the damage to your car. If you have any kind of first party medical coverage, that will pay for any injuries.
You're not going to collect from the other guy. He's not going to be found at fault. "Almost" doesn't count, in the insurance world.
2007-11-23 02:21:15 · answer #1 · answered by Anonymous 7 · 1⤊ 0⤋
Your insurance will probably cover injuries. If you have "full coverage" insurance, they will pay for damage repairs minus the deductable. If the car is financed, and found to be totalled, they will pay the "Blue book" value. Unless you have a gap policy, if the amount owed is more than what the car is worth, you pay the difference.
2007-11-23 03:08:09 · answer #2 · answered by sensible_man 7 · 0⤊ 0⤋
i grew to become into an motor vehicle claims supervisor for 14 years and regrettably in case you probably did no longer purchase hollow coverage, or your motor vehicle coverage does not have a coverage the place they pay greater effective than ACV if the motor vehicle is a entire loss, then you certainly will probably owe the adaptation between the retail fee you paid and the "actual" fee of the motor vehicle-- no vehicle dealership sells a vehicle with out making a earnings, and the coverage corporation won't pay the adaptation- subsequently hollow coverage is provided to you in the finance workplace on the dealership. i could commence with looking out in case you have hollow- if no longer your claims adjuster might help understand the ACV.... desirable wager is to purchase yet another vehicle from the comparable dealership and have them conceal the adverse fairness- meaning rolling over what you may desire to owe right into a sparkling own loan if in actuality you do not get an entire repay! sturdy success.
2016-09-30 00:59:32 · answer #3 · answered by ? 4 · 0⤊ 0⤋
I think they will, but you will be responsible for your deductible. It depends on what state your insurance is in, they have different policies in different states.
2007-11-22 20:20:15 · answer #4 · answered by *~HoNeYBeE~* 5 · 0⤊ 0⤋
Hi,
Insurance should pay whether its ur fault or not.
rgds..............
2007-11-22 20:56:03 · answer #5 · answered by ? 5 · 0⤊ 0⤋