In states with no-fault insurance
If you have no-fault indemnity, you would file a title with your own insurance company for your checkup expenses after a cable car accident. Your personal injury protection ( PIP ) helps cover your aesculapian expenses, up to the coverage limits on your car indemnity policy. Personal wound auspices ( i, no-fault policy ) is required in some states and optional in others .
In states with no-fault indemnity, you typically file a third-party claim for place damage after an car accident .
In states without no-fault insurance
If you live in a state of matter that does n’t offer no-fault insurance, you can typically file third-party indemnity claims for place price and medical expenses .
Third-party property damage claims
When you file a third-party claim for place damage after a car accident, you may draw upon the at-fault driver ‘s car property damage liability coverage to help pay for repairs to your vehicle.
Keep in beware that the at-fault driver ‘s policy will alone help pay for your repairs up to their coverage limit. For exemplify, say your fomite is declared a sum loss by the other insurance caller, and it ‘s valued at $ 30,000. If the at-fault driver ‘s coverage limit is $ 25,000, you may have to pay $ 5,000 out of your own pocket to replace your vehicle.
Read more: How to file an auto insurance claim
If this were to happen, you may be able to use your own car indemnity coverage. Underinsured motorist place damage coverage may help pay the dispute, if it ‘s available in your state.
Another choice is to file an car claim with your own insurance mailman if you have collision coverage on your policy. Your collision coverage helps pay to repair damage to your fomite, regardless of who ‘s at fault. Keep in take care you ‘ll have to pay your deductible. If you ‘re hit by another driver who is at defect for the crash, your indemnity caller may pursue the early driver or their indemnity company to collect the funds paid out under your collision coverage and your deductible .
Third-party injury claims
If you have injuries or related aesculapian expenses after a car accident, the at-fault driver ‘s car bodily injury indebtedness indemnity may come into play ( in states without no-fault indemnity ). Again, the at-fault driver ‘s policy will entirely pay up to their coverage limit. Your medical bills that exceed their coverage limit may become your fiscal duty .
You may have coverage on your own car policy policy that helps cover your injuries after an accident. If you have medical payments coverage, it helps pay for your ( and your passengers ‘ ) aesculapian bills after an accident. And, underinsured motorist bodily wound coverage may help with your checkup bills if the at-fault driver is underinsured .