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I'm adding a vehicle to a car insurance policy, it's a 2004…

i'm adding a vehicle to...
i'm adding a vehicle to a car insurance policy, it's a 2004 jaguar x-type. Do I need to add a collision coverage? with the value of the car I don't think I need this but if the car was hit and it is the other party's fault, will their insurance not cover the vehicle repair?
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Answered in 4 hours by:
3/12/2018
Marsha411JD
Marsha411JD, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 20,929
Experience: Licensed Attorney with 29 yrs exp with Consumer Law issues
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Hello,

Thank you for the information and your question. If you are in an accident where the other party is "at fault" then theoretically their insurance policy will cover the damage to your vehicle. However, there are times when someone is uninsured or underinsured (as in the case where there might be several cars in an accident and their coverage doesn't cover all of the damages) where you would not be made whole. Also, of course, if you are at fault in an accident or have a single car accident, and you don't carry collision coverage, then you will have to cover your vehicle damages out of pocket.

Many people decide, when their car is paid off and not worth very much, just to forego collision coverage. It is a personal decision. Please feel free to ask for clarification. If no further assistance is needed, then if you could take a moment to reply to this answer and let me know that I covered your question, then the Site will give me credit for assisting you today. Thank you

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Hello again,

I wanted to touch base with you and make sure that you did not have any follow up questions for me from the answer I provided to you on the 12th. For some reason, the Experts are not always getting replies, or ratings (at the top of the question/answer page you are viewing or in the pop up box for this question), which is how we get credit (paid by the Site) for our work, that the customer thinks have gone through. In your case I received neither.

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In any event, it was a pleasure assisting you and I would be glad to attempt to assist you further on this issue, or a new legal issue, if needed. You can bookmark my page at: http://www.justanswer.com/law/expert-marsha411jd/

Thank you.

Marsha411JD
Marsha411JD, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 20,929
Experience: Licensed Attorney with 29 yrs exp with Consumer Law issues
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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