by Guest » Tue Nov 14, 2006 05:22 am
Hi friends, nice to see a community completely dedicated to insurance. Just the other day a friend of mine informed that if ever my car were to be wrecked as a result of someone else's fault, I am not entitled to get even a penny, until the two vehicles are actually involved in a crash !! Does it hold good :?:
Toby Collingwood
Toby Collingwood
Posted: Tue Nov 14, 2006 05:58 am Post Subject:
Hi, you seem to be worried ! If two vehicles are actually involved in a crash, more often than not, it is rather easy to come to the conclusion as to who the real culprit is. But, under such circumstances, two questions need to be answered first – (a) whose fault it actually was ? and (b) do you have enough evidence to prove it ? In case you have sufficient proof that the other party was at fault, then you can always claim for the damages under the other vehicle's liability insurance coverage.
Happy driving !! Margarita Hopkins
Posted: Tue Nov 14, 2006 06:18 am Post Subject:
Hi, as after any wreck, make sure that you gather all details from the other person (driver), in case the cars aren't involved in any contact of sorts. And if the fella isn't ready to cooperate and runs from the scene make sure that you note down the license no. and other identifying mark of the car and call the police.
Just as you would leave a damaged vehicle at the point of accident, try and leave it at the very point where it actually stopped, provided it isn't in the midst of a busy passway. Doing so would enable the police to give a more accurate and specific account of the accident on the official report.
Take Care,
Sasha
Posted: Tue Nov 14, 2006 06:46 am Post Subject:
Hi, I am not sure whether you have a collision insurance policy or not. If you do have one (which I really hope), you can actually get the damages covered by your company after paying the deductibles. Through what is called subrogation, your insurance co. can take on your point with the other co. in question. If your co. succeeds in defeating the at-fault vehicle' co. then you are liable to be paid a part of your deductible or even the whole of it! If you are unlucky and someone in your car gets hurt, you can always file a claim under your medical insurance coverage. But, this amount cannot be more than that of the medical coverage you hold for your co passengers.
The same theory applies when any part of your vehicle is damaged after being hit by an object like a hard stone, etc. You can always catch hold of the owner of that car and make him pay for the damages. As one of my friends pointed out earlier, you need to have ample proof like the license no., etc. to prove your point in the court of law.
Thanks,
Fatman
Posted: Sat Nov 03, 2007 01:50 pm Post Subject: hi
i just think who so ever of the injured party is able to proove the fault of the other party gets the claim ......................sry to say that but in these circumstances its smtimes not ur mistake and u get a loss
Posted: Sat Nov 03, 2007 06:16 pm Post Subject:
I dont get it... you want to make a claim when there was no accident? When you say someone elses fault do you mean someone else was driving your car did damage without hitting another car?
You can make a claim for that but you will pay a deductible and likely it will be considered an at fault accident.
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