Cheap Car Insurance Liability Coverage Only
Reader question:
Okay, I got into a car accident, and I didn’t outright cause it, but if it weren’t for certain physical limitations of mine, it wouldn’t have been as bad as it was. Will I still be able to make a car insurance claim for my injuries?
Lucy
That’s a great question, Lucy.
On every subject, there is a situation that is not as clear as others. While it is easy to say who is at fault when someone rear ends another car, it is a bit more difficult to say if someone had some sort of fault if their eyesight was not in good enough shape to be able to drive in the safest way possible on the road. If you have some type of physical limitation that makes you wonder if some of the negligence in an accident may be put on you, then this might make you think as little bit.
There are many physical limitations that have an effect on driving, and one of the main ones is eyesight. This is one reason why car insurance companies often only give discounts for senior physical car insurance liability premiums if those seniors get regular exams to make sure that they are in the best shape to be driving. There comes a point when simple corrective lenses do not work. However, most people are able to wear glasses and contacts to solve this problem. Then there are other situations–perhaps someone has a leg that shakes a little bit, which caused them to put their foot on the gas and make a accident caused by someone else worse.
There is an expectation from the car insurance company that a driver who has certain limitations will take certain measures that may be necessary to lessen or get rid of the impact that their problem might have on their driving. For this reason, there might not be an excuse if someone with very bad vision goes driving without their glasses. However, there are some conditions which may slightly worsen an accident, although not causing it, which are normally not dangerous and can not be expected to be taken care of in any other way; or if someone has already accounted for their physical limitations and is driving safely.
The truth is that the final responsibility falls on the person who caused the accident. It is their responsibility to make sure that it is safe for anyone who may be driving on the road or their property, regardless of their physical limitations. If someone plows into the side of your car, then it is not your fault that you were put into that situation, because that was due to their own negligence. Therefore, in most cases, you are not at all at fault.
However, there are some instances in which the situation may become a little more murky, such as if your problem should have been taken care of before you went driving or if it contributed more significantly to the damages. In these cases, it would be wise to hire a car insurance liability claim attorney, who can help you navigate the claims system and get the negligence quotient that you deserve.
Cheers,
Fashun Guadarrama.
Should My Car Insurance Pay for a Dent From a Parking Lot?
Reader question:
I went grocery shopping the other day and and when I came out of the store, there was a big dent in the back of my car that hadn’t been there before. Of course, no note at all. What part of my car insurance coverage takes care or this type of damage?
Juan
Thank you for asking, Juan.
In your case, you are going to want to make a car insurance claim using your collision coverage. Collision coverage is most often known to apply to any vehicle that has gotten into an at fault accident, where liability of the other driver does not extend to their vehicle. Car insurance coverage for this type of damage could also fall under comprehensive, but in a different situation.
You might wonder why it is that collision coverage is needed if you can’t be sure that another vehicle was involved. You also might wonder why it is that whoever caused the dent does not have to pay with their auto insurance liability coverage. Both are valid questions, and to the first one I’d say that there isn’t much rhyme or reason to it, it’s just the way the auto insurance business works. As to the second one, you could do that if you know who the driver is. If you see the driver run into your car and cause the dent, or if they leave contact information on your car so that you can make a claim with their auto insurance company, then you don’t have to make a car insurance claim with your own company at all.
Also, not in every situation would a dent be covered under collision coverage. If the cause of the dent was, say, a shopping basket colliding into the back of the car, and you saw this and didn’t just guess it, or someone else saw it, then so long as you didn’t know the person who did it you could make a claim under your comprehensive coverage, because that is what would apply.
Now, one more question that might be remaining is, would your auto insurance rates go up for a dent that you claimed for under collision coverage, since collision coverage is usually used when you get into an at fault accident? Ninety nine percent of the time it would not, because most car insurance companies do not go by what type of coverage you filed the claim under, but instead by who caused the accident. It is obvious in this situation that you did not. Some car insurance companies are very draconian, though, and your rates would indeed go up so long as your state allowed it. However, in many cases it would not be necessary to even file a claim because if you have a higher deductible you can usually fix a dent in a car for much less than the deductible. If you want to stay on good terms with your auto insurance company, though, you should at least advise them of the incident.
Cheers,
Fashun Guadarrama.
Car Insurance Liability Coverage For Seperated Couples?
Reader question:
My husband and I are separated, and I have a question about his car insurance liability coverage. Is there a way that I could limit it so that it doesn’t apply to me?
Nina
I’m glad you asked, Nina.
Unfortunately, when one spouse gets into a car accident and or has a lawsuit brought against them, it usually ends up that both spouses are liable and end up sitting together in the court room while they lose everything they own. This is one of the reason that many couples in this day and age are signing pre nuptial agreements before they get married, so that they can retain their solvency against their spouse’s debts. The problem is, though, that such agreements only apply to wealth accrued and debt from before the marriage itself, so after marriage it is much more difficult.
The best advice that I could give to you at this moment is to get in touch with a lawyer to see what your options are should your husband be the cause of an accident while the two of you are separated. It is possible that, depending on what state you live in, your lawyer could set up something for you that would make it to where you do not have to take part in any of the repercussions of your spouse’s car insurance liability claims.
Failing that, the most foolproof way to get out of this situation is to go ahead and get a divorce. While the two of you are still married, if in name alone it does not matter, you are still economically tied and thus share an often joint culpability for many financial matters. The way to sever this tie is to start the divorce proceedings. While you should never rush into something like that, it is a thought.
Cheers,
Fashun Guadarrama.
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