this depends on your insurance coverage and other driver's insurance coverage.. some people have $15,000 limit to cover medical expense, and collison.. and some are higher.. asian623 http://www.myspace.com/scionturboracing
if you have full coverage insurance, yes it will cover you and other driver, depending on the limit of your collison coverage you have. if damage exceeds your coverage, then you have pay out of your own pocket to cover other driver's medical expense and damage. asian623 http://www.myspace.com/scionturboracing
you dont have to have umpd coverage if you have full coverage but most of the time on full coverage it has umpd and if you dont have umpd your collision will pay for fixing your vehicle but most of the time there is a higher deductible on collision I know this because i am an insurance agent
Yes, but it depends on how fast you were going and if you dont loose control of the car.
it is illegal to hit a cow in India because the cow is god
Then you are in luck !! If you have comprehensive coverage, because that is the coverage that covers an animal hit.
the owner/insured of the vehicle that has a collison claim is the one that pays/owes that deductible... deductibles only apply on your own vehicle repair...not the person's you hit (except for some commerical policys that have a deductible on their liabilty coverages)....now if you elect to use your coverage and another party is at fault, then some times they will 'front' the deductible (if liablity has been determined and they have accepted full liab.) or your company will subrogate then entire amount including your deductible from the at fault party once all repairs have been made...but assuming you are at fault or it was a hit and run and can't find other party and you are using your collison coverage, then you will owe your deductible
YOU shouldnt be hitting the cow anyway....and if you do YOU should have to pay for hurting the poor cow.....
It first hit in the mid 1900s.
Not unless the vehicle is hit hard enough to absolutely, positively total it. In which case it really doesn't matter.
Comprehensive Coverage.
If you are walking down the street and are hit by a car, of course, the majority of the coverage will be from the car that hit you and their liability coverage. You personal auto coverage may also have some coverage to help you as well. If you have medical Payments Coverage it will pay from your personal policy, also if you have work loss that coverage can come from your personal policy to supplement the other party's coverage. There may even be some more little coverage that jump in to help out.