can i get damages from my own insurance policy from a car accident if the another party refuses to pay and accept liability
Total Comments: 5
Posted: Wed Oct 27, 2010 04:27 pm Post Subject:
Only if you have that type of coverage under your own policy, i.e. comprehensive, collision, PIP, Med Pay etc.
Posted: Wed Oct 27, 2010 05:29 pm Post Subject: Yes you can
Hello Icebett,
yes you can entitled to claim damages, You should provide as much information as you possible about the accident. Know about your insurance coverage. Collision and/ or uninsured property damage will cover you for the damages of your car. Both the covers have their own specific requisites and deductibles. You can ask your insurance company if these covers apply in your case. You should make it a point to contact your attorney before you make any decision about your claim. For more info check
Posted: Wed Oct 27, 2010 05:51 pm Post Subject:
Collision and/ or uninsured property damage will cover you for the damages of your car.
I don't think the other party is uninsured... sounds like the claim was denied based on liability (as this was mentioned). If that is the case then UM won't apply.
Posted: Thu Oct 28, 2010 11:34 am Post Subject: insurance
I hear alot of people say "Full coverage". Is this the same as collision coverage? I just don't know. I have 'Full coverage' on my vehicle. My policy covers me, as well as the other person.
Posted: Fri Oct 29, 2010 12:17 pm Post Subject:
I hear alot of people say "Full coverage". Is this the same as collision coverage? I just don't know. I have 'Full coverage' on my vehicle. My policy covers me, as well as the other person.
What do YOU consider "full coverage"? Many people drive with only the minimum liability limits required by law, and consider that "full coverage" since it's everything they need to be able to drive their vehicle.
I don't think many of us agents would come close to considering that "full coverage". I carry BI Liability of 300,000/500,000 here in So Cal, and in the wrong circumstances that won't be enough, so I also have a $1,000,000 personal liability umbrella policy. And, even that, in the really wrong circumstances, won't be enough . . . but it's a $1,300,000 to $1,500,000 headstart.
For others, "full coverage" means having "collision and comprehensive" coverage. Still, many of those persons reject medical payments/PIP, and don't carry UMBI/UMPD coverage either. Are they "fully covered"?
I would never consider driving without UMBI/UMPD coverage. And I carry high limits on the UMBI, too. The difference in cost between minimum and maximum uninsured coverage is so low, it's almost a joke. But people don't understand that, and don't carry it.
FULLY INSURED is in the eye of the beholder. As with all insurance, if it's not covered, for those losses you are SELF-INSURED. If you can afford that financial risk, then save your premium dollars for some other purpose. If you can't afford the loss, cover it with some of your available dollars.
The trade-off, IF a loss occurs, is well worth it. If no loss occurs, at least you'll be able to sleep at night knowing that it would have been covered.
I'm sure all will agree . . . without any insurance claims, life is better.
Posted: Wed Oct 27, 2010 04:27 pm Post Subject:
Only if you have that type of coverage under your own policy, i.e. comprehensive, collision, PIP, Med Pay etc.
Posted: Wed Oct 27, 2010 05:29 pm Post Subject: Yes you can
Hello Icebett,
yes you can entitled to claim damages, You should provide as much information as you possible about the accident. Know about your insurance coverage. Collision and/ or uninsured property damage will cover you for the damages of your car. Both the covers have their own specific requisites and deductibles. You can ask your insurance company if these covers apply in your case. You should make it a point to contact your attorney before you make any decision about your claim. For more info check
Posted: Wed Oct 27, 2010 05:51 pm Post Subject:
Collision and/ or uninsured property damage will cover you for the damages of your car.
I don't think the other party is uninsured... sounds like the claim was denied based on liability (as this was mentioned). If that is the case then UM won't apply.Posted: Thu Oct 28, 2010 11:34 am Post Subject: insurance
I hear alot of people say "Full coverage". Is this the same as collision coverage? I just don't know. I have 'Full coverage' on my vehicle. My policy covers me, as well as the other person.
Posted: Fri Oct 29, 2010 12:17 pm Post Subject:
I hear alot of people say "Full coverage". Is this the same as collision coverage? I just don't know. I have 'Full coverage' on my vehicle. My policy covers me, as well as the other person.
What do YOU consider "full coverage"? Many people drive with only the minimum liability limits required by law, and consider that "full coverage" since it's everything they need to be able to drive their vehicle.
I don't think many of us agents would come close to considering that "full coverage". I carry BI Liability of 300,000/500,000 here in So Cal, and in the wrong circumstances that won't be enough, so I also have a $1,000,000 personal liability umbrella policy. And, even that, in the really wrong circumstances, won't be enough . . . but it's a $1,300,000 to $1,500,000 headstart.
For others, "full coverage" means having "collision and comprehensive" coverage. Still, many of those persons reject medical payments/PIP, and don't carry UMBI/UMPD coverage either. Are they "fully covered"?
I would never consider driving without UMBI/UMPD coverage. And I carry high limits on the UMBI, too. The difference in cost between minimum and maximum uninsured coverage is so low, it's almost a joke. But people don't understand that, and don't carry it.
FULLY INSURED is in the eye of the beholder. As with all insurance, if it's not covered, for those losses you are SELF-INSURED. If you can afford that financial risk, then save your premium dollars for some other purpose. If you can't afford the loss, cover it with some of your available dollars.
The trade-off, IF a loss occurs, is well worth it. If no loss occurs, at least you'll be able to sleep at night knowing that it would have been covered.
I'm sure all will agree . . . without any insurance claims, life is better.
Add your comment