After a car accident, if you are physically in good shape, your main concern will be fixing your vehicle. Most people rely on having transportation to get to work and take care of their families. Being without your car could be a hardship.
You may wonder who is responsible for paying for your car repairs. The answer is not always easy. You should refer to the Declaration page of your insurance policy.
The Declaration page will outline the details of your policy. It tells you the type of coverage you have. It will also show the effective dates of your insurance, which could be important. And there will be some details about your overall coverage.
The important points
One of the most important points to note is whether you have collision coverage. If you do not have this on your policy, then your insurer will not pay for any damage to your vehicle. You have only liability coverage, which means your insurer only pays for damage to other vehicles for accidents where you are at fault.
If you have collision coverage, you should note your deductible and the coverage amount. You will have to pay the deductible before your insurer will pay anything. If the damage to your vehicle is less than the deductible, then it is up to you to cover all costs. Your coverage amount is also important because if the amount of repairs is higher than your coverage, you will have to pay for the excess.
Keep in mind if you were not at fault in the accident, then it is the other driver’s insurance that should pay for you. If that person does not have insurance or enough, then the liability falls on him or her personally.