That depends on several factors. If you are not sure, the safest route is to presume the answer is no. Even if you believe that you may be covered, contact the insurance company and find for certain. After an accident happens it will be too late to take precautions…

"Full" coverage is not the same as "complete" coverage. This situation seems to call for uninsured motorist coverage, since you do not know who the driver was who caused the damage to both cars. Alternately, collision coverage would apply to the situation.…

The answer depends on what kind of insurance you are talking about, whether it is listed as a replacement value item in your policy, and other concerns. As a rule, insurance companies are not traders, and will not "just happen to" have matching replacement…

As long as the policy was paid up to date when the car was totaled, you do not have to make any additional premium payments. When the car is totaled, your insurance company will usually send you a notice that the claim has been settled and the policy closed…

Depending on the state you live in, insurance companies may be able to tell you which repair shop they prefer to use. You still have the option of using another facility if you wish, but the insurance company will not pay for charges above the estimate given…

If your car is stolen, your liability insurance will not cover it. Liability insurance comes in two types: property damage and personal injury liability. Property damage is the damage you cause to someone else's property when your are found to be at fault…

Insurance laws vary from state to state, and insurance company regulations will differ from one company to another. In most cases, no fault or Personal injury protection, called PIP, does provide a limited amount of death benefits, but the exact amount will…

Uninsured/underinsured motorist coverage is a special type of car insurance that protects you if the person who caused the accident does not have any insurance, or not enough insurance to cover the damages. It is part of the required minimum insurance in…

Damage liability insurance will not usually cover your car if it is damaged while parked. Your damage liability is not intended to pay for damages to your own vehicle, but the to damages that are caused by your to the property of someone else. Whether your…

Depending on the state in which you live and the insurance company providing the coverage, you may be covered under the insurance of the car's owner. In states such as Florida, which have no-fault insurance, it is the vehicle that is generally covered, not…