Hi i got into a crazy accident 2 days ago on the freeway. i have full coverage but im not sure what that means

Question

so can someone help me out? ive already made a claim but what else do i have to do? the cars passangers side tire came off also the bumber. will the insurance company fix my car or get me a new one?

Answer 1

Full coverage means that if you were involved in an accident and it was your fault, your insurance will pay for both sides.

If you didn't have full coverage, and you were responsible, your insurance would ONLY pay for the other sides damage and you would have to find another way to get your own car repaired (like borrow from family for friends).

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If the accident was NOT your fault, then it does NOT matter if you had full coverage as the other side insurance will pay for the damage.

Good Luck...

P.S.  You will NOT get a new car for such a small damage.

Answer 2

full coverage means that if the accident was your fault your insurance company will pay for all the damage of the other vehicle and/or property damage where the accident occured. Your car however, if you have a deductable you pay that then your insurance will pay for the rest of the estimate, if the insurance agent says that your car was "totaled" then they will pay what your car is worth, I am not sure if the deductable comes into play there though, call your insurance agent and ask if you need to get the estimate for your car or if they do that for you

Answer 3

if you are in australia and have 'full cover' - this means that your damages and anyone else's damages are covered as a result of an accident that is your fault.

so if you hit a light pole on the freeway, your insurance would cover the damages to the lightpole, as well as your car.

if you only had 'third party property damage' insurance, this means that your car would not be fixed by the insurer, but they would fix anything else you hit or damaged - such as the lightpole.

your insurer will look at the cost of repairs and pay the repairer to fix your car.  if your car is currently worth less than the cost of repairs, then you will get paid the value of your car instead.

Answer 4

Again I am not sure if you were the cause or the other driver, that matters first.  But without that information the 2nd is important.  There is no real saying "full coverage"..

Insurance has

1). Collision (this has a deductible and pays only for damages to your vehicle, carry it if you have a lien on the vehicle).  This pays for majority of most types of damages.

2) Comprehensive( this has a deductible and pays only for damages to your vehicle, carry if you have a lien on your vehicle).  This pays for your vehicle if it is stolen, in most cases if you hit an animal, have hail damage, rock/glass damage (most states).

3) Liability.  They are sperated by property and medical..Most states have minimums YOU USUALLY HAVE TO CARRY STATE MINIMUM.  This ays for damages to the other car if it was your fault.  Carry as much as you can afford to be sued for.  If you hit 2 Jags and you only carry 15,000 you may be sued if the damages are over your policy.  If you run into a house at the end of a curb and destroy the living room window and the sitting homeowners are hurt ..you may be sued because this is also part of your auto liability if you don't have enough coverage.

4) Uninsured/underinsured..This also has a deductible, it covers YOU if they other driver was at fault and didn't have insurance, it was a hit and run and their fault, or they did not have enough coverages and it was their fault.  (not a required coverage but reccomend)

5. Personal Injury Protection (PIP) and or Medpay..This covers you and your injuries and your passenger's injuries if any..most not dependent on your fault or not your fault..check with your carrier and your states laws..(not required in most states but reccomended)

6. rental..common snse one..covers for a rental usually only up to 30 days..so if your vehicle is sitting at a shop 45 days..you may still be out of pocket for some of the rental bill..you usually choose your amounts for the car 20 24 30 50 etc per day coverage.

7) Lease gap/loan gap..Pays the loan/lease if your car is totalled out and you still owe more than the value of the car.

SO PLEASE DONT SAY FULL COVERAGE..YOU choose your coverage limits and deductibles so one personal full coverage can mean completly different..Just check with your company..You paid the premiums for their help use it... :)

You need to know what your collision deductible is.  generally 250, 500, 1000..Generally you will need to get estimates..Your insurance company generally have body shops to recommend, use your company's shops unless uyou personally know of a good shop, most companies back 100% any repairs from shops they inform you of..THIS IS IMPORTANT if they mess up paint or the work, they will be required to fix it without another claim or a cost to you..After repirs pay the shop the deductible and your company should handle everything else with you...Your deductible is what you have decided to be responsible for if you are in an accident.  You will need to pay the deductible to get the car repaired if you are using your own policy.  Anything above the deductible your insurance will pay.  DEDUCTIBLES are paid regardless of fault, and sometimes may be waived based on your companies policy, if you use your company for repairs.  If it was the other drivers fault **TO BE DETERMINED BY THE OTHER INSURANCE COMPANY** they will pay for repairs and the deductible is not owed, some states have negligence laws meaning if you were negligent in any way 1) you can recover nothing or 2) you recover everything except the % you were negligent for or 3) you recover the % if you were less than 51% at fault. EXAMPLE:  You made a lane change but did not signal, the other driver saw you move over but realized late because he was also moving over the same time you were moving over, but he signalled before you started moving over and you saw him signall but it was to late to do anything the accident happened in the middle lane of the 3 lane roadway that yall were on.  You may be found at fault because you didn't signal and he did,  but he hit passenger side quarter panel tire and bumper corner with only his front bumper corner.  You clearly were sliglthly ahead/in front of him based on the damages of your car.  You may be able to recover 75% of the damages and not 100% based of that example.

Hope I could help..sorry so long..

Answer 5

they will try to fix it if they can.... if they cant they will give you money for a new car they will give you money based on the kelly blue book..... usually if they can fix it they will if they cant they wont...

full coverage means they pay wether you are responsible for the accident or not..... oh and you have a 500 deductible i assume meaning you have to pay 500 some collision shops wil pay it for you shop around thanks