Question

Maya and Heath are both insured drivers. Heath drove through a four-way stop without stopping and collided with Maya's car. Neither party was injured, but both cars were damaged. Heath was found at fault for the accident. Maya has both liability insurance and collision insurance, while Heath only has liability insurance. How will the parties' insurance policies cover the damage to Maya's car and Heath's car?

Answer 1

Health’s liability insurance will cover the damage to Maya’s car and neither person’s insurance will cover the damage to Heath’s car.

Answer 2

The correct answer is A) Heath's liability insurance will cover the damage to Maya's car and neither's person's insurance will cover the damage to Heath's car.

As fortunately neither parts were injured, the insurance companies have to deal with car damages The problem for Heath is that Heath only has liability insurance. Maya has both liability insurance and collision insurance. This means that liability insurance will cover a third person's damage but Heath's car. I Heath would have paid for collision insurance that would have covered the damage of the car too. Maya paid both insurances and she is fully covered.