Getting your car fixed and being back on the road again may be one of your main concerns following a car accident. The main issue is how and who would be paying for the repair (or replacement) of the damaged vehicle, and for this you are given a number of options, all depending on several factors such as how caused the accident, the type of car insurance that you have, and if the other party (who caused the accident) is insured. Knowing your rights regarding such matters will bring you great relief after suffering from a car accident.
The first thing to establish following a car accident is who is at fault, since this will settle the case on who will e held liable for the needed repairs on the vehicle, regardless of whether it is only minor scratches or in need of major work. If the damage is too much for repairs, then the at-fault driver would be made to cover for the market value or the actual cash equivalent of the vehicle even when the state follows a “no-fault” insurance rule, since property damage is not considered part of the no-fault rule.
The confusion can come from who is to be held liable for the repairs and who should be paying for it. The Hankey Law Office all drivers are required to buy a liability insurance for all registered vehicles, which would then be used to cover for property damage in an event of a car collision. The coverage would be automatic following the accident, especially if the other driver is the one who caused the accident. You will have the right to make a claim to the at-fault driver’s insurer to cover for the car’s repairs or provide the market value of the damaged vehicle.
If by chance the other driver does not have insurance, you have the option of using your own insurance coverage to pay for the damages provided that car collision is part of your coverage. It is similar to that of a “no-fault” insurance wherein the damages will be covered regardless of who caused the accident. Nevertheless, this will require you to be responsible for the deductible, which can be reimbursed from the at-fault driver’s insurance provider through your insurance carrier.