May 20th, 20195/20/2019 Car insurance when there's an accident with the individual who wasn't at fault how do you get covered, if you weren't at fault?
Well at Allstate we have a few things, if the person who hit you doesn't want to own up to the accident, we do something called subrogation, where you pay your deductible amount which for example would be $500... next we go after the company who did it who would be responsible for the deductible you just paid. Next what if two Allstate policy holders have an accident. Both need to file claims against their insurance. One is at fault and one isn't however, you still are required to file a claim against your insurance, as a no fault accident, which would be your deductible amount. however it doesn't count as a claim against. You just pay your deductible. The other insured would have to count the accident as an accident against his/her insurance. Next, PIP coverage. PIP is required whenever an individual is harmed in an auto mobile accident. It's a no fault coverage, so even if you werent at fault but accrued damages to your person you would need to file for PIP coverage. This usually has a limit of $3000 or $5000... ect. and the other insureds insurance would come into play for damages after that. In most cases you don't need to pay costly Health Insurance Deductibles if you're not at fault, if you are at fault you would need to have your insurance cover the other driver, yourself as well as you would need to pay your PIP and your deductible to pay damages to your car and if you don't have accident forgiveness your premiums may go up. So it gets pricey! Hope this helps! Thanks5/17/2019 Non-Owner SR22 insuranceGetting non-owner car insurance with a SR-22 can save you money. If you need a SR-22 and your current insurer doesn't offer it, then sometimes you can buy a SR-22 non-owner policy with a second company. Your original policy would be your primary and your SR-22 policy would allow you to get your required SR-22 filed with the state -- but without switching your primary insurer. Your non-owner policy would not cover any vehicles since it would come with an exclusion for any owned autos and autos regularly used and thus is not duplicate coverage. The SR-22 car insurance provider would require you to buy the same limits of liability that are on your primary policy.
If you have a primary insurance provider that you don't want to lose due to your need for an SR-22, because you have bundled coverage or other reasons, buying a separate non-owner policy to comply with the SR-22 requirement can be a smart move. Why is an SR-22 required?Many associate the need for an SR-22 with drivers who have a DUI on their record. If this is the case for you, read about DUI insurance. In reality, the SR-22 can be required for a variety of reasons, depending on where you live. Common circumstances that result in an SR-22 requirement include the following: > DUI or DWI or other major alcohol violation conviction > Serious moving violation conviction, such as reckless or negligent driving > Several traffic offenses in a short time period > Driving without insurance conviction > Being involved in an accident while driving without insurance > Being caught by the state not carrying car insurance on your registered vehicle > A requirement for you to obtain a hardship or probationary license > A requirement to reinstate your driver's license after a suspension or revocation Meeting the SR-22 requirement can help you get your license and/or registration reinstated and thus get you back on the road. You'll know it's required when you're informed by the court or state. The notification should inform you why an SR-22 is required, the insurance requirements and how long the SR-22 form must stay on file with the state. A form called the FR-44 is similar to the SR-22 but requires drivers to carry much higher liability limits. It is currently only required in Florida and Virginia for drivers who have been convicted of certain alcohol-related violations. |