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True or False: Keeping Kids Safe

1. If my vehicle is destroyed in a collision that is not my fault, the at-fault driver’s insurance company will pay off my car loan.
T F

2. If the other driver was cited by the police for causing the accident and paid the fine, then he is automatically deemed at fault in any claims I bring against him.
T F

3. I can receive unemployment compensation and full workers’ compensation benefits at the same time.
T F

Answers

1. False.
The at-fault driver will be responsible for paying only the actual cash value of the vehicle, not your loan pay-off amount. Be sure to purchase “gap” coverage from your auto finance company to protect yourself.

2. False.
The fact that the other driver was cited by the police or plead guilty to a traffic offense is not even admissible in your civil claims.

3. False.
Workers’ compensation benefits are offset by the gross amount, including what is paid in taxes, of any unemployment compensation received – even though workers’ compensation is not taxable.

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