Liability only car insurance and my car destroyed

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looking
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Location: morgan hill ,ca

Liability only car insurance and my car destroyed

Post by looking » Sat Aug 11, 2018 11:51 pm

Liability only car insurance and my car destroyed

How it works and my insurance company doesn't pay anything to me

denovo
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Re: Liability only car insurance and my car destroyed

Post by denovo » Sun Aug 12, 2018 12:00 am

1.If it's your fault you eat the cost.

2. If you think it's the other driver's fault, you file a claim with their insurance and negotiate with them to get a payout. Get's more difficult in cases of major physical injury to you.

b. If the other insurer doesn't cooperate, you would need to sue the other driver/insurer Keep in mind most attorneys will not take these cases on contingency unless there is a potential of a large payout (physical injury) Sometimes it may work to file a complaint with your insurance commissioner.
"Don't trust everything you read on the Internet"- Abraham Lincoln

strafe
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Re: Liability only car insurance and my car destroyed

Post by strafe » Sun Aug 12, 2018 5:21 am

looking wrote:
Sat Aug 11, 2018 11:51 pm
Liability only car insurance and my car destroyed

How it works and my insurance company doesn't pay anything to me
Yes.

bubbadog
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Joined: Wed Mar 26, 2014 9:17 pm

Re: Liability only car insurance and my car destroyed

Post by bubbadog » Sun Aug 12, 2018 5:27 am

What is your question?

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wander
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Re: Liability only car insurance and my car destroyed

Post by wander » Sun Aug 12, 2018 7:18 am

Do you have uninsured motorist coverage?

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cheese_breath
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Re: Liability only car insurance and my car destroyed

Post by cheese_breath » Sun Aug 12, 2018 7:30 am

You want collision insurance to pay for your car.
The surest way to know the future is when it becomes the past.

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dm200
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Re: Liability only car insurance and my car destroyed

Post by dm200 » Sun Aug 12, 2018 10:58 am

If this was caused by another driver - but was "hit and run" - you get nothing.

ResearchMed
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Re: Liability only car insurance and my car destroyed

Post by ResearchMed » Sun Aug 12, 2018 11:01 am

looking wrote:
Sat Aug 11, 2018 11:51 pm
Liability only car insurance and my car destroyed

How it works and my insurance company doesn't pay anything to me
If you are asking a question about your *own* auto insurance, did you read the policy or discuss with your insurance agent/broker before deciding which policy to purchase?

RM
This signature is a placebo. You are in the control group.

Spirit Rider
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Re: Liability only car insurance and my car destroyed

Post by Spirit Rider » Sun Aug 12, 2018 11:59 am

dm200 wrote:
Sun Aug 12, 2018 10:58 am
If this was caused by another driver - but was "hit and run" - you get nothing.
Like most things having to do with car insurance, this is entirely dependent on state law. In many states, you are covered for UMPD in hit and run situations even if the other driver is not identified.

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dm200
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Location: Washington DC area

Re: Liability only car insurance and my car destroyed

Post by dm200 » Sun Aug 12, 2018 12:00 pm

Spirit Rider wrote:
Sun Aug 12, 2018 11:59 am
dm200 wrote:
Sun Aug 12, 2018 10:58 am
If this was caused by another driver - but was "hit and run" - you get nothing.
Like most things having to do with car insurance, this is entirely dependent on state law. In many states, you are covered for UMPD in hit and run situations even if the other driver is not identified.
OK - did not know that. Thanks for the information. I will need to check with my agent.

Thanks

Rupert
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Re: Liability only car insurance and my car destroyed

Post by Rupert » Sun Aug 12, 2018 2:46 pm

looking wrote:
Sat Aug 11, 2018 11:51 pm
Liability only car insurance and my car destroyed

How it works and my insurance company doesn't pay anything to me
You haven't provided enough information for anyone to help you. Was your car destroyed in an accident or via some other means? If an accident, was there another vehicle involved? If another vehicle was involved, was the driver of that vehicle at fault? If so, was that driver insured, and did you get his/her insurance information?

jsprag
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Joined: Sun Nov 26, 2017 11:25 am

Re: Liability only car insurance and my car destroyed

Post by jsprag » Sun Aug 12, 2018 4:02 pm

bubbadog wrote:
Sun Aug 12, 2018 5:27 am
What is your question?
I thought it was a haiku
Liability only car insurance
And my car destroyed
How it works?

And my insurance company doesn't pay
Anything to me

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sunny_socal
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Re: Liability only car insurance and my car destroyed

Post by sunny_socal » Sun Aug 12, 2018 5:47 pm

Sorry for your loss OP!

mr_kprince
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Re: Liability only car insurance and my car destroyed

Post by mr_kprince » Mon Aug 13, 2018 1:29 am

Death
Taxes
Insurance

Stinks, I know.

Crunched my 2009 Mustang (4,228 miles) in June. Total loss. Cried like a baby. Fortunately, I have a 2008 Chevy pick-em-up truck. Didn't need 2 vehicles anyway in hind-sight. Insurance company settled for about $11K. I hit the back end of an Animal Control Van that slammed on his brakes in a construction zone to hunt down a squirrel...or something.

The Wizard
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Location: Reading, MA

Re: Liability only car insurance and my car destroyed

Post by The Wizard » Mon Aug 13, 2018 4:23 am

Rupert wrote:
Sun Aug 12, 2018 2:46 pm
looking wrote:
Sat Aug 11, 2018 11:51 pm
Liability only car insurance and my car destroyed

How it works and my insurance company doesn't pay anything to me
You haven't provided enough information for anyone to help you. Was your car destroyed in an accident or via some other means? If an accident, was there another vehicle involved? If another vehicle was involved, was the driver of that vehicle at fault? If so, was that driver insured, and did you get his/her insurance information?
Note: this particular OP seldom posts again in a thread he/she starts...
Attempted new signature...

UncleBen
Posts: 279
Joined: Wed Feb 19, 2014 8:43 pm

Re: Liability only car insurance and my car destroyed

Post by UncleBen » Mon Aug 13, 2018 5:00 am

Good news, the insurer pays to replace the car. Bad news, you are self insured. (Unless there are circumstances that allow compensation from some other party's insurance.)

Hope you are asking for educational purposes. If not, hope you and any passengers are OK.

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