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Does Uninsured Motor Insurance Cover Damage To A Car In North Dakota?

My car was hit in a parking lot, and the person who hit me cannot be found. I want to know if my uninsured/underinsured coverages covers body damage. I only have liability insurance. Is it worth reporting a claim, will my insurance cover getting my car fixed?


Answer: Who do you have insurance with? Contact your local agent and just say "I was wondering if my car gets hit in a hit and run, if my current insurance would cover that?" If they say yes, it would cover, then tell them "Okay, then I have a claim." If they say "No," Just say, "Okay thanks!" and hang up.

Edit:

Foshizel is wrong, in ND all you need is liability coverage. I do not keep collision on one of my vehicles because it's only worth about $600. The liability is to pay for the other guys car if you get in a collision.
 
 

I Need Motor Insurance Cover For A Week Only- Looking For A Company/broker That Does This. Any Recommendations


In the UK, Thanks.


Answer: Do you want a perfectly honest answer? No broker is going to go through the time and expense to write such a policy unless you already have a business relationship with him or her.

Why? Because there is no readily available market for a 1 week auto insurance policy. Insurance companies don't offer such a policy. It would be a time consuming task to get an auto insurance policy written only to have it canceled a week later.

Unless you have an broker/agent who feels some obligation because you are a good customer you will not find someone willing to waste their time for a minuscule commission such a policy would earn.

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Does Motor Trade Insurance Cover Anyone To Drive The Vehicle?

A friend has trade insurance on his car and say it is ok for me to drive does the insurance cover me without being named on his insurance. I have my own insurance on my car.


Answer: A full traders policy does include all drivers over the age of 21 that holds a full licence.

On the other hand there might be clauses in the policy and its up to the person who holds the policy to define and show you the cover allowed.

Do not take someone elses word, without first checking the details yourself.. Its your licence that's at risk.

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If You Are Refused Cover For Building Insurance Would This Affect Motor Insurance?

They refuse to cover my house because of a tree close by. When I make a motor insurance application do I have to declare this to get cover.,


Answer: No, house insurance is a complete different thing. Just don't park under the tree.

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Do I Need Legal Cover When Taking Out Motor Insurance?

Do I need Legal Cover when taking out Motor Insurance? What does Legal Cover actual mean? Would I need Legal Cover if I want to a third party accident claims company?


Answer: When you have an accident you suffer two types of losses (for this purpose) - insured losses and uninsured losses. Insured Losses are basically the damage to the car, if you have comprehensive cover - and your insurance company pays these. Uninsured losses are: excesses, injury, time off work etc. Your insurance company is not interested in these.

So you have these losses - what do you do about it? You claim from the driver who is at fault. This could incur substantial expenses, you may have to fight the case to prove liability etc.

Legal Cover provides cover against these losses. The company who does the recovery will in most cases not have to go to court but if

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Bakarne » Specialist Car Insurance is the Answer If You Have Been ...

Most Car Insurance companies that offer quotes on standard comparison websites, have very strict underwriting criteria that the risk, that is you and your car, must fit into to be offered a quote from the online computer system. Some of the better ones will provide a telephone number where you can repeat the quotation process over the phone, however with these type of companies you still run the risk of failing to obtain cover even if you talk to them direct....

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