If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?

already exists.

Would you like to merge this question into it?

already exists as an alternate of this question.

Would you like to make it the primary and merge this question into it?

exists and is an alternate of .

No, Liability Insurance is just as it says, Liability only pays for damage you cause to another. It will not pay for damages to your vehicle if you had only liability coverage.

s from other contributors
Usually they don't. If you had no type of uninsured motorist protection which doesn't cost that much it's in your hands basically to repair your damages. You could sue the assailant for everything they are or ever will be worth but after you win the case they will eventually declare chapter 7 bankruptcy and you'll never get anything from them.
Take my suggestion and GET uninsured motorist coverage on your next vehicle. It may cost a little more but it's well worth it.
another answer:
I live in Texas, and, yes, the liability only pays for the other vehicle, assuming you were at fault. If the other driver was at fault, their insurance should pay you. HOWEVER, I want to explain something that most people don't know. If you have only liablility, and your car burns, you hit an animal, a tree falls on it, or ANYTHING that is not your fault, including running off the road and hitting something, you are just out of luck. BUT, if you have "COMPREHENSIVE INSURANCE" you will be covered for all of these things. Comprehensive insurance is VERY inexpensive, and if you have to file a claim using it, your rates will not increase. I drive older vehicles, and full coverage isn't feasable, so, I have liability and comprehensive on them. Several years ago, one of my trucks burned, and I was comphensated very fairly for it. If I had had only liability, well, I'd been walking. Please check it out if you are used to paying for only liability. I don't think comprehensive will pay if the other person just didn't have insurance, but, it will pay you if an "act of GOd" has happened, something unavoidable, like fire, and accidents not involving other vehicles.
billlyh

In the state of Kentucky they have "no fault" insurance which is mandatory even on only liability....so you're covered in the event someone else causes the accident. However, after your car is fixed and there is no other insurance company to collect off, then your insurance will go up to pay for the claim. There is also "uninsured/under insured" riders. Check with your insurance company and state Dept of Insurance.
54 people found this useful

If a pedestrian is found at fault in an accident involving a car and pedestrian which insurance would pay the medical bills - the auto insurance or the pedestrian's health insurance?

\n. \nSince Pedestrians always have the Right of Way, It is very rare if not impossible to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills.\n. \n Answer \n. \nIt depends on your state's laws, bu (MORE)

If you have liability insurance only in a no-fault state and you were rear-ended and vehicle totaled who pays for the replacement or repair of the vehicle?

%FOLLOWUPS% Michigan's no fault law is really a pain. If you only had liability insurance, even if you weren't at fault, you're responsible for the damages to your vehicle. If the other party had insurance you might be able to file a $500 mini tort claim and get it without having to go to court (you (MORE)

If you were in a car accident and the other person was at fault should her insurance pay for your rental car medical bills and all of your repairs?

yes, assuming the are all accident related and she is 100% negligent, and therfore liable/responsible for your damages.......if a specific problem with some of this give more details and i can be of more assistance..... It also depends on whether your state is a "no fault" state or not. In a "no (MORE)

What happens if you get into an accident but only have a license but no insurance but the other person doesnt have a license or insurance Whos at fault?

Answer . Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost (MORE)

What can you legally do when the person who hit you insurance company will not pay for the accident because their insured is denying fault but he was cited at the scene?

Answer . \nIf you have insurance call YOUR insurance and they will pay for your damages and then they will subrogate (meaning they will go after the other persons insurance for reimbursement) If the other person has been cited then they are clearly at fault. Nobody can deny that, make sure you co (MORE)

In California if you do not have auto insurance and you are involved in an accident that is not your fault does the insured at fault have to pay your medical and or pain and suffering?

Answer . California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of t (MORE)

What happens if a car accident was not your fault but you were driving a friend's car that was insured by liability insurance?

I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did (MORE)

If you only have liability and your car is totaled in an accident will your insurance pay for it?

Car insurance:liabiltity No. Because liability only covers the damages to the other persons car in an accident. "3. Property Damage Liability This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to (MORE)

What do you do when the at-fault vehicle's insurance will not pay you for your totaled vehicle because the insurance company has already paid for other vehicles damaged in an accident?

Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all the vehicles involved. I would have to know a little bit more about what happened, but you're only realistic action at this point is taking their policyholder to small cla (MORE)

If you are in an accident and it is your fault does your insurance pay for both cars?

\n. \n Answer \n. \n. \nNo lovey not if your the one at fault... Insurance only covers the other person if your at fault sorry honey.....\n. \n. \nIt depends on what insurance coverage you have. The liability coverage that all states require you to carry on any registered vehicle will cov (MORE)

If you have pl pd insurance coverage and are involved in an accident that is not your fault does the other company have to pay for your vehicle repairs?

\n. \n Answer \n. \n. \ni think you have liabilty insurance. this covers damage to other peoples property & other peoples personal injury. it does not cover you in any way, unless you have some rider on your policy. however, if the other person is at fault, then they, or there insurance comp (MORE)

If a hit and run vehicle knocks an insured moving vehicle into your liability-only parked vehicle whose insurance pays for damage to your car?

Answer . The "At Fault" party is responsible for your damage, regardless of who ran. The driver who ran from the scene is not necessarily the at fault party. The question is who caused the accident? That person is responsible for the damage.. Answer . It seems that you alone will have to purs (MORE)

Who do you sue if you are involved in an auto accident and the at fault party had no insurance?

You will definitely want to seek the advice of an attorney. Just because the at fault driver doesn't have insurance, doesn't mean they are not responsible for damages. If you have a strong case, you may wish to move forward with a lawsuit - to which there may be an out-of-court settlement. If the pe (MORE)

How much would insurance cost if you were involved in a car accident that was your fault and both drivers have liability insurance?

Answer . How much will it COST? If you have a good record of several years without claims, your premiums may not increase, but if you are a new driver or have had prior claims the increase will be determined by your insurer and no one else can give you a definite answer. Or how much will it PA (MORE)

How does insurance determine the amount they pay you when your vehicle is totaled in an accident that was not your fault?

Answer . \nRegardless of fault, insurance companies determine that the car is totaled (in my experience) when the damage to the vehicle is estimated at a higher cost than the vehicle Suggested Retail Value, according to Kelly Blue Book. It's important to look at the Suggested Retail Value (the (MORE)

What should i do if i got in an accident and other person has no insurance i only have liability?

Answer . \nMost policies match your bodily injury per person/per accident liability limit w/an uninsured/underinsured motorist coverage. In other words if you were hurt, check with your agent for uninsured/underinsured coverage provided by your policy. Your liability limits will be divided by s (MORE)

Is No-fault insurance covered only auto accidents?

Answer . Yes only for Auto, Campers, Motorhomes while on the highway What's No-Fault Insurance?No-Fault Auto Insurance Coverage pays for each driver's own injuries and property damage, up to the limit specified in the policy, regardless of who caused the accident. Because No-Fault insurance var (MORE)

You were involved in an accident with your dads automobile and he has only liability insurance and you are not on the policy who is responsible?

If 'you' were at fault, or there was no other party involved (ie: backing into a pole..), then 'you' are. Even if 'you' were on the policy, it only covers damage to other vehicles/property/people, no coverage for dmg to car itself. If the vehicle was in the care, custody, and control of someone gi (MORE)

Will insurance companies pay accidental death insurance if the person who was killed in the accident had illegal drugs on them even though he was not at fault?

The best answer to this is call and ask the claims department. Usually the only exclusion would be: Is the person committing a felony at the time of their death?" Accident policies have many exclusions so read your policy carefully! __________________________________________________________________ (MORE)

What is the insurance company responsibility to help you when you have an accident and its not your fault and you only have liability?

A liability insurer has two primary duties to an insured who has been sued: (1) a duty to defend; and (2) a duty to indemnify. The duty to defend means that the insurer is obliged, at its own expense, to hire counsel to defend the insured provided that the allegations of the lawsuit come within t (MORE)

Can an insurance company claim damages from a person who was involved in an accident with the insured after his vehicle is repaired by the insurance company?

Yes; the process is called subrogation. The insurer that paid for the repair of its's insured's vehicle succeeds to the right of action against the at-fault party for the purpose of collecting that which it paid. The subrogating insurer has no greater rights than its insured did, such that if its in (MORE)

Will insurance pay if it is not your fault and you have no insurance?

If "it" is not your fault then you do not have to pay regardless of insurance. However, you may have to prove in court that "it" is not your fault and although you can counter sue to recover your court costs if you win the case, your lawyer will probably want some money up front, and you might lose (MORE)

Can you sue your insurance co for an accident where you were at fault but you were injured in that same accident and need medical attention will your co pay under your liability or is it on you?

Let's break down the question: 1. If the other party did not have liability insurance, but you had unsured motorist coverage, in theory you could make a claim against your own insurer. 2. The factors that your insurer would consider in evaluating the uninsured motorist claim include fault for the (MORE)

What if you have no liability insurance and have an accident?

Well, generally you get a fine (ticket) to pay, Most states will now confiscate your vehicle and suspend your drivers license. If you were at fault in the accident you can also be sued by the other driver and any passengers that were injured.

Will liability insurance pay off your vehicle if it is totaled?

Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by (MORE)

Does the owner have any liability if the cosigner of a vehicle has an accident and is not on the insurance?

Certainly. The owner of the vehicle has liability in many different ways. First, the owner of the vehicle is allowing the co-signer to drive the vehicle without listing them on the insurance as a driver. In this, the owner has committed insurance fraud and material misrepresentation against the insu (MORE)