I co-own a small security guard company that uses cars to patrol neighborhoods and businesses. One of the cars was hit on the interstate and the guard was injured through no fault of his own. According to my partner (I work in a different field – this company is an investment primarily) we have full coverage insurance – what does this cover. Our cars are older but well-maintained and I believe this one is totaled. Also, it costs the company time and missed jobs because of the lack of this vehicle and guard. The other guy has very minimal insurance – just collision I think .. How does all of this work? I’m not as well versed in insurance as I obviously should be and any help would be appreciated.
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May 27, 2010 @ 3:07 am
will cover the cars damage…or total it out …………will NOT cover lost time/wages ect….u cud sue the at fault driver but u wont get anything…..
May 27, 2010 @ 4:03 am
Your full coverage will cover the vehicle’s damages. There will be a deductible which is the amount you will have to pay out of pocket. However, you will have to go after the other insurance company to get lost wages for the driver. They will be paid but not through your insurance.
May 27, 2010 @ 4:51 am
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May 27, 2010 @ 5:43 am
autoinsurance.noneto.com – try this one. I have their car insurance and, as I know, they can provide such a service.