I was able to get a good deal on my auto insurance, except for the "collision" coverage. I found another automobile insurance carrier who offers this coverage for less. Is it possible that I can go to another carrier and get a "collision" only automobile policy?

Wilson
Thank you Gray’s Mom. I appreciate your help.

i was in an accident today, i hit someone from behind, therefore it is automatically my fault….even though they stopped out of nowhere!

anyway, i have auto insurance, BUT i don’t have collision coverage….

what happens?

Does New York State’s Auto-Insurance laws require financed cars to have collision on them?

I recently settled a lawsuit dealing with an automobile accident. My car insurance medical coverage exhausted at 15,000, and I still had bills to pay so my primary picked it up. But now that it is settled I think I have to pay my primary back. My lawyer said he got me full coverage from my auto insurance dealing with my injuries for the rest of my life in the settlement. My question is…. is there a way instead of me paying back my primary insurance company, by just having them forward the bills to the auto insurance since they will be paying my bills from now on? Or am I going to have to pay out of pocket. Thanks in advance!

my stepdaughter caused a accident and her insurance had to pay its limits but the injuries to the person was more than her policy would cover, can the injured come back on my auto policy under resident relative claus? She lives with me and I have her on my health insurance but not my auto insurance, even though she occ. drives my car.

My wife was hit by a car crossing a street. The car was obviously at fault, but it did not stop… so it was a hit and run. An ambulance and ER visit was needed.

What insurance should be paying for these costs? I paid my health insurance ER visit copay at the hospital but they said my auto insurance would likely cover it and the other costs?

I called my auto insurer and they said they will cover it under personal injury…. and it doesn’t sound like there’s a deductible involved. I’m afraid however that it will raise my rates.

My questions…
Do you think my rates will be raised if I go through my auto insurance?
If so, can I go through my health insurance instead? Or will my health insurance just say it needs to go through auto anyways?
Is an ambulance ride covered by one or the other, or both?

Thanks.
There is not an option of me paying it myself in either scenario. It would either be health or auto. But I don’t want to use auto, unless there is no other option as they may raise rates… which is one of my questions. Health insurance would obviously not raise my rates since it is through my place of my employment.

health insurer pay for any injuries sustained in an accident. I prefer to have my health insurer pay since the insurance policy I have right now does not reguire referrals. I have been told that if a passenger in my car suffers injuries and they don’t have auto insurance and I have selected the health insurer option, then the auto insurer does not have to pay for the passenger’s injuries and I am liable. Is this true? I don’t expect anything to happen, but I want to pick the right option on my auto insurance form.

So I’m trying to get a quote from them and there’s this section that ask you how much bodily injury coverage you had with your previous insurer. Depending on your answer, the quoted price can be lowered…

I’m trying to get a quote for 50/100 and the quote is lower if I say my previous auto insurance bodily injury was 50/100..it’s really 20/40. Do you think they will find out if i put 50/100?

i have insurance from ahcccs. but dont have my own auto insurance because i dont have a vehicle. but now i cant work due to a fractured vertabrae and dont know what to do for income. I wont get disability if I wont be out for over a year and even so wont get any benifits for up to 3 to 4 months.

I know if someone else falls they can go through my policy so would the same hold true if I fell? I’m wondering about this because I know if I had a solo car accident I could go through my own auto insurance to pay for it so does the same hold true for a homeowners policy?

I had a claim today the member lives in a no fault state for auto insurance. A medical claim was submitted and it was a work related auto accident (mail carrier), workers comp has denied the claim, will the no fault automobile insurance pick this up? Even if it’s a work related auto injury?
Sorry, evidentally I was very vague when asking my question..

I work for the person’s health insurance company, and we’re trying to investigate third party liability. The member is the subscriber/insured of our plan. She is a mail carrier and was injured in a car accident while delivering mail. Workers comp denied their claim for whatever reason, but now we’re being told we need to investigate if their auto insurance will pay as they live in a no fault state. If you live in a no fault state when you’re in an accident your auto insurance pays for your damages regardless of who’s at fault. The other drivers insurance pays for their on damages as well. So I’m asking if her auto insurance will pay for her damages/medical expenses if she’s injured in a work related car accident. Or will her auto insurance pay regardless of whether it’s a work related injury or not?

Do you think we should do more investigation as to why workers comp denied the claim?

my husband had an accident and we lost all benefits and income We now receive wage continuance from auto insurance. (that is non taxable) Does this qualify us for government assistance with out reporting this as income? Or is this considered income?

The gentleman who hit me that cause my personal injury has died before the matter was resolved and he was at fault and yes he had auto insurance.

My wife and I were involved in an auto accident recently. We were hit from behind while waiting at a traffic light (red).
They other diver aggreed that it was his fault. Both of us have auto insurance from same company. His policy is covering damage to my car. My insurance company (which is same as his) says I get health coverage from my policy and not his policy.

Since it is from my policy, they say, I am subjected to deductibles and co-pay.

My question is
a) Is it true that irrespective of whose fault it is, I get health benefits from my policy?

b) If the other driver’s policy is covering my medical expenses, will I still have to pay for co-pay and deductible? After all it is his fault and why should I bear additional cost?

c) I have bodily injury liability in my policy. Similarly other driver must be having the same. That means his policy should pay me.

Next week, I’ll be switching to another auto insurance. My previous limits with another company were:

-minimum MD state 20/40/15 for Bodily Injury, Uninsured Motorist, and property damage
-PIP 00
-250/500 for Comprehensive/Collision, had road service, towing, and rental.
I don’t have many assets. I’m a renter and I live from paycheck to paycheck. I have no accidents, no tickets, and no violations for the last 8 years. I’m a cautious driver. I drive a 2003 Honda Civic.
The new insurance company is offering me 9/year for the limits 100/300/100 Bodily Injury Liability and matching for Uninsured Motorist + Property Damage, 250/500 for Comp/Coll, road service, towing, and rentals, PIP 2500.
I’ve seen different answers that say 100/300/100 would be better for those who own a house and have a better income.
What do you think is a recommended coverage going?