2007-04-24 17:24:43 · 12 answers · asked by jack 2 in Cars & Transportation ➔ Insurance & Registration
Depends on who's at fault, and what kind of insurance you have.
If you have full cover and are at fault , your insurance should pay for your repairs and his (but will up the cost of insurance next renewal) . If you are at fault, and have third party only, it will pay for his repairs and not yours.
If he is at fault and you have comprehensive insurance, your company should pay for your repairs, and will sue him for reimbursement. If you are not fault and you have third party only, your insurance company may help, or you will have to try to get the money for repairs from him yourself. If there is a gap between what your insurance pays and the cost of repairs, and its his fault, you may be able to sue in small claims court for the difference.
2007-04-24 17:40:38 · answer #1 · answered by Barb Outhere 7 · 0⤊ 0⤋
Who is at-fault in the accident? That's a totally separate question than who has insurance. You're not "less at fault" for having insurance or "more at fault" for not. Whoever is at fault is financially responsible for the accident.
Just go to your insurance company. They will cover you for whatever your policy covers, and they will be able to tell you if there's anything you need to do. But if you have full coverage, they'll do it all for you, they'll go after the other guy and you won't have to deal with him at all. They make it easy.
They will not raise your rates unless you were at fault in the accident. And then they'll raise your rates whether you file a claim or not! :( So talk to them, you might as well get paid.
2007-04-25 01:32:35 · answer #2 · answered by Wolf Harper 6 · 1⤊ 0⤋
FIRST did you get a police report? SECOND make sure insurance company files an SR2. Must file if damages exceed $500. If your insurance includes "uninsured motorist" coverage, you're covered and probably will get your deductible back. BUT... be aware that the other motorist may come back and get you in small claims court for injuries, etc. Very important to get a police report done or get witness statements. If you don't have Uninsured coverage, you're out of luck trying to get them to pay. Take them to court.
2007-04-25 00:37:53 · answer #3 · answered by liz 1 · 1⤊ 0⤋
Two Scenerios-
A- You are considered at fault. His medical would be covered under the BODILY INJURY portion of your policy. His car would be covered under the PROPERTY DAMAGE. Your injuries would be covered under Personal Medical (called other things in different states so ask your agent) and your vehicles damage would be covered by the Collision part of your policy. Now, if you don't have the coverages I mentioned, then that part will not fixed/ paid for.
B- He is found at fault. Your car will be fixed under your Collision coverage. Your injuries will first go to your Personal Medical and then to Uninsured Motorist. Then your insurance company will go after the other party to be reimbursed for what they paid out and your deductible. Once they have paid out their limit of UM, then you will have to take the other guy to court to get the rest of your medical bills paid.
Good luck
2007-04-25 00:34:22 · answer #4 · answered by buttrfly52 4 · 2⤊ 0⤋
Take the other driver to court. Ask about a small claim, where you take the other driver to court and a judge dictates the fine to be paid. I'm not sure what fee are involved, but before you file, someone can give you all the info.
2007-04-25 00:29:38 · answer #5 · answered by V 3 · 1⤊ 0⤋
The person three lanes over and five cars back will pay the bill.
Seriously, the person who caused the accident will pay for the damages.
2007-04-28 00:07:11 · answer #6 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
DEAR
MISS ARE SIR
YOUR INSURANCE COMPANY DOES AND YOUR INSURANCE RATES GO UP ASAP AS SOON AS THEY PAY FOR THE DAMAGE FOR YOUR CAR ARE TRUCK
AND IF YOU HAVE ALL STATE THEY WILL FOR GIVE JUST ONCE AND ON THE 2 ONE THEY SEND YOU A GOOD BYE LETTER THEY CANCEL YOU THIS IS NO
JOKE THIS THE TRUTH OK
PEACE GOOD LUCK
AND TAKE CARE
2007-04-25 00:38:56 · answer #7 · answered by ? 7 · 0⤊ 0⤋
You will, but only for your own car. I hope you called the police and had the other driver arrested for not having any insurance.
2007-04-25 00:30:08 · answer #8 · answered by Anonymous · 0⤊ 1⤋
if you have uninsured motorist insurance you will but your rate will not increase as long as you were not at fault. The other party will have to reimburse you after you sue them and go to court.
2007-04-25 00:29:10 · answer #9 · answered by toya_neal 1 · 2⤊ 0⤋
your insurance might have an uninsured/underinsured moterist policy that will pay your medical and damages if the other person is not insured.
But it might still depend on who is at fault and what kind of policy you have. You should ask your agent
http://www.insurance.com/quotes/Article.aspx/Why_You_Need_UninsuredUnderinsured_Motorist_Coverage/artid/132
2007-04-25 00:28:35 · answer #10 · answered by julliana 3 · 4⤊ 0⤋