How car insurance works when you are not at fault

 

How car insurance works when you are not at fault

If you are not at fault for a car accident in most states, the at-fault driver’s liability car insurance pays to cover your medical expenses and vehicle repairs.

No-fault states are the exception, requiring you to use your own car insurance (personal injury protection) to pay for your medical bills after an accident. The at-fault driver’s insurance will still pay for your vehicle repairs, though.

If the at-fault driver does not have any insurance, or if their liability insurance is not enough to cover your costs, you can file a claim with your own uninsured motorist insurance.

 

How car insurance works when fault is unclear

When you file a claim, either with your own insurance company or with someone else’s, the insurance company will send an adjuster to investigate the incident and make an official determination of fault. This process can sometimes take some time, so if you need your vehicle repairs covered before fault can be determined, you can still file the claim with your own collision insurance. If you are later found to not be at fault, your insurance company will use a process called subrogation to try to recover those costs, including your deductible, from the other driver’s care insurance company.

If both drivers share fault in an accident, which insurance company pays for the claims is determined by the state’s negligence laws.

Comments

Post a Comment

Popular posts from this blog

My car caught on fire! Does my car insurance cover it?

Image
  My car caught on fire! Does my car insurance cover it? The freeway carbecue, a car caught on fire while parked at home or damages caused by a wildfire are all scenarios that may leave you wondering how your car insurance can help. While events like these are unplanned and unpredictable, having a better understanding of how your policy might help will make you better prepared - even for the unknown. We’ll share how with the right coverage, your vehicle may be covered from fire damage. And as a helpful bonus, we’ll pass along some safety tips that can help you stay safe in the event your car does go up in smoke. Car insurance coverage for fire damage Although we hope you haven’t had any experience with fire outside of s’mores with friends, we know that an unexpected car flame can spark at any time. For car fires that aren’t the result of an accident, like a mechanical malfunction, Comprehensive coverage is your go-to for covering car losses that are caused by fire. Here are more s...
Read more

What to Consider When Getting an Auto Insurance Quote

Image
  What to Consider When Getting an Auto Insurance Quote These days, an agency that doesn’t offer a free car insurance quote online is in the minority. But just because it’s easy and free to get a quote doesn’t mean you’re getting the best quote. And it definitely doesn’t guarantee you’ll be saving money. The fact is the number of things that affect a quote vary and can include things like the type and quality of coverage being offered, your driving record and what kind of customer service you can expect. A one-size-fits-all mentality isn’t going to serve you well if you’re trying to get the best quote to meet your needs. That’s why understanding what factors impact rates is key, if you want the best auto insurance coverage from the best insurance agent. Let’s dive into a few of the things you should consider when getting an auto insurance quote. Your Driving Record Perhaps the most obvious thing to consider when look...
Read more

Shopping for Car Insurance though Geico

Image
  Shopping for Car Insurance - How to Get the Best Deals When comparing car insurance rates online or over the phone, make sure you're looking at similar policies to accurately compare rates. With a 97% customer satisfaction rate*, why not start with GEICO? Here's what you need to know about 1. Gather the information you need to shop for a car insurance quote. The first step in shopping for car insurance is to get a quote. To get an accurate car insurance quote, you'll need to provide some basic information. In addition to your name, address, and date of birth, some questions you may be asked include: Type of vehicle and how you use it Any other drivers that will be on the policy Education and profession Auto insurance history Accident history Not sure about something? You can always save your quote at any step and come back later. 2. Determine how much coverage you need. When shopping for the best car insurance, make sure you'r...
Read more