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Will Your Insurance Be Affected If the Car Collision Wasn’t Your Fault?

You are driving down the road and someone slams into the side of your car. The first thing that comes to mind is your car and your insurance premiums. Though you are okay after the accident, you wonder if this is going to increase your premium or how this whole thing will work.

The good news is that in most cases your insurance will not be affected by an accident. Even if your insurance company does have to pay some of the damages, it should not raise your premiums, especially if the accident was not your fault. However, here are some things to consider.

If the Other Driver Was Cited You Are in the Clear

Since the accident was not your fault, your insurance company will not have to pay for the damages. Provided that the other driver has sufficient coverage, their insurance company will handle the claim and payment for you. The person who is cited or given a ticket for the wreck will be the one responsible for payment.

Insufficient Coverage

Some people just carry the legal limits on their insurance. Depending on who hit you and what kind of policy they have, your insurance company may have to get involved if the other person has insufficient insurance coverage. If the other insurance policy leaves a balance left unpaid, your insurance company may cover it if you have under-insured motorist coverage. There may be a deductible for this coverage to kick in and cover your car.

The insurance company will go after the person who wasn’t sufficiently covered to reimburse them for the amount they paid. For instance, if the accident totaled your car and the estimated replacement was $32,000, but they only had insurance coverage for $25,000; your insurance will pay the additional $7,000. However, they will send them the bill for the overages.

Uninsured Motorists

If the person that hits you has no insurance, then your insurance company will likely pay the tab. To get this assistance, you must have an additional supplement to your policy known as uninsured coverage. It too will pay for your damages, but they will go back on the person who was responsible. Insurance companies can become quite aggressive to collect the money they are owed.

Why You Need Legal Help

These are the most common scenarios in a car accident. For help with accidents that involve injury and need to be taken to court, consider hiring an attorney from a firm like Pritzker Law. Having legal representation is imperative when there are injuries in a case. It can be the difference between walking out with a settlement or losing the case altogether.

Most the time you won’t have to worry about rising premiums due to an accident that wasn’t your fault. Check with your particular insurer for more information.

Anica Oaks

Anica Oaks

A recent college graduate from University of San Francisco, Anica loves dogs, the ocean, and anything outdoor-related. She was raised in a big family, so she's used to putting things to a vote. Also, cartwheels are her specialty. You can connect with Anica on Facebook

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