If you are deemed at fault in a wreck, are any of the damages to your own car covered?

Question

I was recently involved in a minor fender bender - the guy in front of me stopped suddenly and I slid right into him when I put on my brakes (ice on the road). I understand that my coverage will cover the person's car I ran into, but what about my car? I realize than plans range considerably, but I'm looking for what happens generally in this situation.

Thanks

Answer 1

Depends. If you took the advice of people who say "save money, buy liability only" your car is not covered for anything. Liability is coverage for damage you do to others and their property. If you have collision, your car will be covered subject to the deductible.

Answer 2

All insurance is covered from state to state. I`m not sure if Oregon has the same coverage as they did a long time ago. It was called a no fault state. In california you would need to have collision coverage to cover your own cars damage. This would also have a deductible amount. normally around 500.00 some people pay the higher amount of 1000.00. Call your insurance company and see what you are cover for. Also you will need to file with the department of motor vehicles of this accident if it was over a certain amount.

Answer 3

Liability covers the other car, collision coverage takes care of your damages less a deductible. If you've got collision on your vehicle then you're covered (unless the damage is less that your deductible that is..)

Answer 4

once you're saying "his coverage" do you recommend the different occasion's coverage or do you recommend the owner of the motor vehicle's (which you have been driving) coverage? If that's the former, then particular they are going to pay as long as you're one hundred% no longer at-fault and this could easily be shown in courtroom. in case you recommend the latter, allowing somebody topersistent who does no longer have a license or a valid license is a contravention of the coverage circumstances. for this reason the wear to the motor vehicle you have been driving does no longer be lined by using the motor vehicle's insurer, yet could be lined by using the at-fault occasion's insurer. the only ingredient is by using going the path of in seek of reimbursement from the different occasion's insurer it ought to take weeks and weeks to get your damages paid.

Answer 5

If you have collision coverage on your policy - your insurance company will pay for the damage to your vehicle- less your deductible.

Answer 6

You would need to carry collison coverage on your own policy in order for your insurance company to repair your car. If you don't have collision coverage then you are responsible to repair your vehicle on your own, if you choose to.

Answer 7

If you have collision coverage, the damage to your car is covered under that. If you don't have collision coverage, well, you're uninsured for damage to your car.

Answer 8

If you have full coverage,both cars are covered. If you only have liability, only their car is covered. Check with your insurance agent.

Answer 9

Specifically would be covered under the comprehensive coverage section, less deductible.

Answer 10

been there, done it. repairs were covered by my insurance full cover. I had to pay a deductible though. Good luck!